Conventional
Flexible terms for primary, second, or investment homes.
- Down paymentFrom 3%
- Credit620+
- PMIDrops at 20%
Buying or refinancing should feel like sweet tea on the porch — unhurried, honest, and in good company. I'm Christa, and I'll walk you all the way to your front door with heart and a plan that fits your life.
⏱️ Takes about 2 minutes · No credit pull, no obligation · You'll see a ballpark payment & I'll follow up personally.
Pick what feels right — I'll take it from there.
I've called the Lowcountry home since 2009, and I bring a real heart for service to every family I work with — from building homes in Mexico to global medical missions. That same care shows up in your loan: patient, clear, and always in your corner.
Whether you're a first-time buyer in Charleston or moving across the Southeast, I'll make the path feel simple — and maybe even a little fun.
First porch, forever home, or a fresh start — let's find the right fit.
Answer a few cozy questions and I'll point you to the path that fits — instantly, no email required to start.
First-time buyer, veteran, self-employed, investor, or moving up — there's a program made for you. Tap any card to see how it works.
Flexible terms for primary, second, or investment homes.
Low down payment & flexible credit — perfect for starting out.
For those who served — zero down, no PMI, great rates.
Zero down for eligible rural & suburban Lowcountry areas.
Financing beyond conforming limits for higher-value homes.
One loan to buy (or refi) and make it truly yours.
Built for business owners whose taxes don't tell the whole story.
Qualify on 12–24 months of deposits — no tax returns needed.
Qualify on the rent, not your income. Close in an LLC and scale.
Use your savings & investments to qualify — great for retirees.
Homeownership for borrowers who file taxes with an ITIN.
Estimate a payment or what you can comfortably afford. Real terms come from a friendly chat.
No scare tactics — just real Lowcountry math with assumptions you control. Sometimes waiting is right; this helps you decide with your eyes open.
Everything I wish every buyer had before they start — beautifully branded, and delivered straight to your inbox.
No spam — just helpful, and a note from me. Preview the packet →
✨ Rather build your own? Pick the exact topics that matter to you and download a personalized guide PDF.
Build my own guide →The best part of my job is the people. Here's what they say — read every one (and leave yours) on Google. 🤍
55 five-star reviews on Google
Read all 55 reviews →Verified Google reviews · Christa Votaw, Mortgage Lender · NMLS #1111313
Tell me a little about you and I'll reach out personally — no pressure, just a warm, honest conversation.