Your local mortgage broker in Summerville, SC offering VA, FHA, conventional, and USDA loans with competitive rates and personalized service.
Rates change daily — getting pre-approved now protects your buying power.
How Much House Can You Afford? Income to Home Price Breakdown
| Annual Income | Estimated Home Price Range | Loan Type |
|---|---|---|
| $70,000 | $250,000 – $300,000 | FHA / VA |
| $100,000 | $325,000 – $400,000 | FHA / Conventional |
| $140,000 | $450,000 – $550,000 | Conventional / VA |
Estimates assume a debt-to-income ratio (DTI) below 43%, 3.5%–5% down payment, and include property taxes and insurance. Your actual buying power may vary. Get a precise pre-approval →
Which Loan Type Is Right for You?
VA Loan — 0% Down
Best for eligible veterans and active-duty military. No down payment, no PMI, and highly competitive rates.
FHA Loan — 3.5% Down
Flexible credit requirements and low down payment. Ideal for first-time buyers and moderate income households.
Conventional — Best for Strong Credit
Lower long-term costs with no mortgage insurance after 20% equity. Best for buyers with 680+ credit scores.
Run the Numbers Before You Apply
Already Own a Home?
You may be able to lower your payment without an appraisal. Check your options:
→ VA IRRRL Streamline Refinance — Summerville, SC→ FHA Streamline Refinance — Summerville, SCReady to Find Out Exactly What You Can Afford?
Get a real pre-approval in minutes. No obligation. No hard credit pull to start.
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