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Property Enrollment
The seller provides property, ownership, listing, and financial-feasibility information. Standard files can move directly toward electronic enrollment. Exceptions are routed for review.
South Carolina Residential Properties · All Counties
Momentum Assistance Program for Sellers
The Property May Be Ready.
The Buyer’s Financing
May Be the Problem.
M.A.P. adds a financing-focused strategy to the sale of eligible South Carolina residential properties. It is designed to help identify financing barriers earlier, connect interested buyers with a complete mortgage review, and give the seller another structured path to a closing.
Enrollment is available for eligible residential properties throughout South Carolina. A required conversation is not the gatekeeper for a standard file.
The Core Difference
Marketing and Financing Should Not Operate in Separate Rooms.
A property can receive showings, interest, and even offers while still failing to close because the buyer’s financing was never evaluated deeply enough. M.A.P. does not replace the listing agent. It adds a mortgage-review system to the process.
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Buyer Financing Review
Interested buyers may be directed through the M.A.P. intake system so the mortgage team can evaluate available standard, manual, and specialized financing pathways.
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Transaction Strategy
The seller, buyer, agents, and mortgage team can work from a clearer understanding of financing requirements, eligible concessions, cash-to-close, and approval conditions.
What M.A.P. Provides
A Structured Seller-Side Financing Strategy
- Property enrollment inside the Momentum Assistance Program.
- A property-specific activation profile and marketing-information intake.
- A financing-review pathway for interested buyers.
- Coordination with the listing agent on financing-related issues.
- Early identification of buyer qualification, cash-to-close, and program barriers.
- Internal tracking of offers, lender changes, concessions, and closing-document review.
- A status system so sellers and the team can see what requires action.
What Enrollment Requires
The Program Has Material Conditions
- Accurate ownership, property, listing, payoff, lien, and decision-maker information.
- Cooperation with verification, property activation, and transaction-review requests.
- Availability of the applicable seller-paid contribution in an eligible M.A.P. preferred-lender transaction, subject to loan-program and actual-cost limits.
- No seller-paid closing costs or equivalent buyer financing incentive in an outside-lender transaction during the enrollment term and may not be transferred, duplicated, reimbursed, relabeled, or provided in an outside-lender transaction.
- Prompt disclosure of offers, lender changes, concessions, amendments, and final settlement information when required by the signed agreement.
- Compliance with anti-circumvention, lead-protection, marketing, and other provisions stated in the enrollment documents.
Preferred-Lender Incentive Protection
Buyer Choice Remains. The Seller-Funded M.A.P. Incentive Does Not Travel to an Outside Lender.
What Is Allowed
- A buyer may choose any lender.
- The seller may review and accept an offer involving another lender.
- The seller may negotiate ordinary property-condition issues, prorations, or other items permitted by the signed agreement.
- Mr. Mortgage LLC may grant a written exception when appropriate.
What Is Restricted After Enrollment
- Paying an outside-lender buyer’s closing costs.
- Providing a rate-buydown contribution or prepaid-expense allowance to replace the M.A.P. incentive.
- Relabeling the financing incentive as a repair credit, allowance, reimbursement, price accommodation, or side payment.
- Changing lenders after approval and carrying the M.A.P. seller-funded incentive into the outside transaction.
This is a material enrollment condition. A violation may result in termination and the contractual remedies stated in the legally effective signed agreement. This webpage does not create a separate damages formula; the executed agreement controls the rights and remedies of the parties.
Understanding the Contribution
“Up to 6%” Does Not Mean Every Transaction Uses 6%.
The actual seller-paid amount depends on the buyer’s loan program, purchase price, eligible closing costs, prepaid expenses, rate strategy, transaction structure, and the final contract. It cannot exceed applicable program limits or actual allowable costs.
Illustration only: On a $300,000 sale, 6% equals $18,000. The actual contribution could be lower. Other selling expenses—such as commissions, taxes, title or attorney charges, payoff amounts, and repair obligations—remain separate.
Before You Accept an Offer
Review the Net, Not Just the Price
The seller should review an estimated net sheet prepared from verified transaction figures. M.A.P. does not replace the listing agent’s, closing attorney’s, tax adviser’s, or legal counsel’s responsibility to explain matters within their professional role.
- Purchase price and financing type
- Mortgage and lien payoffs
- Commissions and closing charges
- Seller-paid concessions and repairs
- Estimated proceeds to the seller
Your Listing Agent Remains Part of the Process
M.A.P. Is Designed to Strengthen the Transaction—not Remove the Realtor.
The agent may introduce the program, send the link, help the seller navigate the site, participate in the review, provide listing materials, and receive status updates when authorized. The seller must personally make the enrollment decision and every required titled owner or authorized signer must execute the documents.
Realtor Referral
Agents can register the referral, identify the property and seller, and receive a trackable link.
Seller Self-Enrollment
A seller who understands the program can proceed through qualification and request electronic enrollment documents without waiting for a required consultation.
Questions First
A seller can submit a short consultation request and include the listing agent, other owners, or advisers in the discussion.
From Decision to Activation
A Seller Can Move Forward Without Waiting for a Phone Call.
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Review
Read the program structure, seller obligations, buyer choice, contribution rules, and preferred-lender restriction.
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Qualify
Provide property, ownership, listing, equity, lien, and exception information. The system separates standard files from manual-review files.
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Sign
Eligible standard files can be routed to the configured electronic-signature workflow. All required owners and authorized signers must complete the documents.
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Activate
After signature, complete the property story, marketing authorizations, listing information, and categorized photo submission.
Before You Enroll
Confirm the Major Terms Before You Start.
| Service area | Eligible residential properties located anywhere in South Carolina. |
|---|---|
| Buyer lender choice | The buyer may select any lender. |
| Outside-lender offer | The seller may consider and accept the offer, subject to the signed enrollment terms. |
| Seller-paid financing incentive | Reserved for eligible transactions financed through the M.A.P. preferred-lender structure unless written approval is granted. |
| Seller control | The seller decides whether to accept an offer and reviews expected net proceeds before contracting. |
| Agent role | The listing agent remains involved in the real-estate transaction. |
| Enrollment effect | The signed documents—not this webpage—establish the binding rights, restrictions, duration, remedies, and termination terms. |
| Final acceptance | Enrollment and activation remain subject to verification, required signatures, program eligibility, and company acceptance as stated in the documents. |
Frequently Asked Questions
Read This Before Enrolling.
Does the buyer have to use We Get Loans Approved?
No. The buyer remains free to choose any lender. The seller-funded M.A.P. closing-cost assistance and equivalent financing incentives are reserved for eligible transactions financed through the M.A.P. preferred-lender structure and may not be transferred, duplicated, reimbursed, relabeled, or provided in an outside-lender transaction.
Can I accept an outside-lender offer?
Yes, subject to the signed agreement. The key restriction is that the enrolled seller may not carry the M.A.P. seller-funded financing incentive into an outside-lender transaction without written approval.
How does M.A.P. affect my listing agent?
M.A.P. does not itself replace the listing agent or rewrite the seller’s separate brokerage agreement. The agent may remain involved in marketing, offers, negotiations, and transaction coordination. The listing agreement and any commission rights remain governed by that separate agreement and applicable law.
Do I have to speak with someone before signing?
Not for every standard file. A seller who understands the program and meets the automated criteria can request the electronic enrollment package directly. Exception files are routed to manual review.
What causes manual review?
Examples include probate, trusts, deceased owners, bankruptcy, foreclosure, divorce disputes, title issues, power of attorney, multiple owners who are not aligned, limited equity, tenant occupancy, unusual property types, or requested changes to material program terms.
When do I upload property photos?
After the enrollment documents are signed. The detailed Property Activation Profile includes categorized photo instructions, listing materials, property story, special features, and marketing authorizations.
Is a sale or loan approval guaranteed?
No. M.A.P. does not guarantee a buyer, offer, loan approval, appraisal, closing date, or sale. Mortgage approval depends on the buyer, property, loan program, documentation, underwriting, and other transaction requirements.
Choose the Correct Path
Ready Sellers Can Move. Uncertain Sellers Can Ask.
The system is designed to remove an unnecessary conversation as a barrier without removing human support or internal control.