Available Saturdays 9:00 a.m. - 5:00 p.m. J
Integrité First Mortgage provides service to all of South Carolina and maintains it's borrower's convenience and confidence!
Integrité First Mortgage guarantees the lowest interest rates with NO origination/discount points!
Integrité First Mortgage earns several Mortgage Loan Origination and Processing Quality Awards!
* Integrité First Mortgage Celebrates 10 Year Anniversary in 2014 *Click on IFM News tab for more information.
See comments from some of our satisfied customers throughout the State of South Carolina!
Welcome! You are one of the over 19,000 people that annually visit Integrité First Mortgage - home of the lowest mortgage interest rates and awards winning services in South Carolina. We have humbly assisted people with mortgage loans in excess of 1 BILLION dollars over the years.
"We work for you, not for the government sponsored enterprises."
Integrité First Mortgage, LLC (IFM) is a Christian values company established in South Carolina in 2004 to accommodate the general public's need for a pleasant mortgage alternative to banks, credit unions, and other mortgage organizations. We are Federally and state licensed in the State of South Carolina. Did you know that a large majority of banks’ and other financial organizations’ mortgage process is similar to IFM? Most of their mortgages also end up in the same place with Fannie Mae, Freddie Mac, USDA, or VA! The major difference is in IFM's higher integrity, lower closing costs, lower interest rates, and higher accuracy.
*** IFM guarantees the lowest interest rates at a lower cost because we have lower operating costs and revenue requirements which saves you a lot of money! Part of the income generated by banks, credit unions, and mortgage institutions is based on the interest rate they offer their customers. Most of these organizations split the income generated from the higher interest rates with their loan originators. The higher the interest rate the more revenue they generate to cover their higher costs. Some of these organizations also have stock shareholders to appease so they operate to maximize their income from their customers.
Interest rates are also partially based on your credit profile and scores. You have worked hard all your life to maintain a good credit profile. This has earned you the right to the lowest mortgage interest rates. Why settle for higher interest rates and closing costs because you think the financial institution you are banking with has your best interests in mind? You can still bank with them even if you secure your mortgage through IFM. As we have done many times, we will also float down your IFM locked-in interest rate during the mortgage process if the mortgage market presents this opportunity. This will be at no cost to you!
IFM rewards everyone who can qualify for a new mortgage with the lowest available interest rates. We require lower revenue to cover our service costs so you receive a lower interest rate and lower closing costs. We also do not have stock shareholders to satisfy. We accomplish all of this without compromising our integrity and awards winning services to you!
We want to be your complete mortgage company. Our company objective is to provide residential mortgage loan services to people who require personable and friendly services in a timely manner. It is not our desire to set the world on fire like other mortgage companies who operate to see how many loans they can punch out.
"We guarantee you the lowest interest rates!"
IFM has analyzed and experienced many mortgage industry lenders and we have established relationships with those that provide the lowest interest rates and most dependable services. This means that whatever your mortgage needs are, we can offer you the lowest interest rates in the industry and meet your required closing date.
The IFM staff is well educated in mortgage products and laws because the government requires us to be educated annually. This allows us to provide our customers with a higher level of understanding. Bank's and credit union's mortgage personnel are not required to be trained at all! We work closely with our customers to offer them the best mortgage programs based on their financing needs and unique situations.
IFM provides first and second mortgages to our city and rural customers throughout the State of South Carolina. We have expertise in fixed and adjustable rate and balloon products. Our Conventional, Jumbo, and VA Loans interest rates are the lowest in the market. We will finance purchase and refinance transactions on primary residences, second/vacation homes, and investment properties. We also offer the Home Affordable Refinance Program (HARP) to help people who wish to refinance a house that has reduced in value. (Products may change and are subject to availability)
IFM can assist homebuyers with good or less than good credit. As long as you have at least two good credit lines, reasonable income, and can be pre-qualified, we can offer you available financing.
We are very unique with our mortgage services as we believe that we are financing people's dreams. We understand how important these dreams are to our customers!
"We provide friendly, professional, honest, and timely mortgage services."
IFM is licensed with the State of South Carolina and the Federal Government. We are also a member of the National Association of Mortgage Brokers and the Better Business Bureau. These affiliations have solidified our position as a prominent public service company in the finance industry.
IFM will beat all competitor interest rates and/or closing costs. Simply email or fax us a competitors current valid Good Faith Estimate to the email address or facsimile number below.
Integrité First Mortgage is enthusiastic to perform their services for you and we look forward to the opportunity to help you achieve your mortgage needs. Please call us today or send us an online application to begin the mortgage process for the refinance or purchase of your dream home!
Own your own home! We can help.
The American dream -- home ownership! More people are taking advantage of today's low interest rates to buy their home. We're on your side! We help you find the best mortgage so you can concentrate on getting ready to move in!
Before you even start home shopping for a new home, get prequalified by one of our mortgage professionals. You'll have the clout of a cash buyer. You'll know how much you can afford. You will be well on your way to the mortgage program that's right for you as soon as you make the offer!
You don't pick the house that is best for someone else. You pick the house that's right for you! Trust our professionals to find the mortgage loan that best fits your needs, too. "Less paperwork and more personal attention" means you enter a frustration-free zone from application to decision. Getting the right mortgage loan is like getting the keys to your new house! We can help you get there.
Browse our website to learn about today's rates and programs, what you'll need to apply, how easy it is to prequalify and earn the clout of a cash buyer, and how we help find the loan that's right for you!
If you own a home and are just looking to refinance, get a second mortgage, or cash out equity, you've come to the right place! There are almost as many loan programs as there are home owners. We'll help you find the right one. You can pay down your balance faster, consolidate high-interest revolving debt, or cash a check to use toward your dream vacation, home improvements, college tuition -- anything you can think of!
Browse our easy-to-use site to become familiar with our people and our programs. Then come visit a mortgage professional who can help you on your way to your goals!