South Carolina Licensed Mortgage Broker  ·  NMLS #2178298  ·  Veteran-Owned

The Right Mortgage Strategy Changes Everything.

Whether your credit is excellent, your income is complex, you served this country, you need down-payment assistance, or another lender already told you no, We Get Loans Approved evaluates the complete situation and builds the right mortgage strategy around you.

Call us directly: 803-407-4470
Why South Carolina Trusts Us
24
Years Closing Complex Files
8+
Approval Pathways
SC
Licensed Statewide
48 HR
Standard Scenario Response
 Veteran-Owned & Operated  
USMC Combat Veteran  ·  D.C. Terry Sr.
Manual Underwriting Specialist
VA  ·  FHA  ·  HomeApproval  ·  DSCR
Chapter 13  ·  ITIN  ·  Self-Employed
Manufactured Homes  ·  Land Equity
Closed Borrowers Denied 12+ Times
Start With Who You Are

Choose Your Path. We Will Handle the Rest.

You do not need to know which mortgage program or M.A.P. pathway applies. Select the role that fits you, and the next page will address the situation from your point of view.

Already Turned Down

Your Buyer Got Denied.
Call Us Before
They Walk.

A denial from one lender is not always the final answer. Automated underwriting is not the only review path. Manual underwriting and specialized programs may create an option that did not exist before. The complete file still has to be evaluated. We start where they gave up. We have closed borrowers who were turned down more than 12 times before they found us. Those denials were not with us. They stopped with us.

Preferred Lender Denied Them
Builder's preferred lender. Buyer's bank. A big box company. It does not matter who issued the denial. What matters is whether there is another path. That is the only question we are trying to answer. Make the call before your buyer leaves the building.
VA or FHA File Denied
Government loan denials are not always final. We have worked VA files that were denied twice before we closed them. Manual underwriting finds approvals that automated systems walk away from. Give us the full scenario.
Credit or Income Issue
580 credit. Self-employed income. 1099 earner. Prior bankruptcy. Thin file. These are the exact borrower profiles the Momentum Assistance Program was built for. We need the full picture to know what we can do.
Inventory Sitting
Completed homes that cannot close because buyers keep getting turned down. Every month that home sits is money out of your operation. The HomeApproval program converts a turned-down buyer into a closed transaction without dropping your price.
Get a Denied File Reviewed Now! One borrower. More than 12 denials elsewhere. One approval here. Tell us the whole story.
The Program

The Momentum Assistance Program

A specialized approval system built for buyers whose situations do not fit the traditional mortgage process.

M.A.P. is not one product. It is eight approval pathways built over 24 years of evaluating solutions where traditional mortgage channels stopped looking. When a buyer is denied, we do not treat one decision as the final answer. We evaluate every reasonable pathway before reaching a final conclusion.
D.C. Terry Sr.  ·  Founder  ·  We Get Loans Approved
Down Payment Assistance
Multiple DPA programs for buyers who qualify on income but need help getting to the closing table.
VA Financing
Specialized VA processing including manually underwritten and previously denied VA files.
Manual Underwriting
Human review for buyers whose profile does not fit automated approval systems. This is where we find the approvals algorithms miss.
Land as Down Payment
Buyer owns land. We structure that equity as the down payment and eliminate the cash-to-close barrier.
Manufactured Home Financing
Single wides, double wides, and complex manufactured home scenarios most lenders refuse without review.
Chapter 13 Active Buyout
Buyers currently in an active Chapter 13 repayment plan who qualify to purchase during the plan.
Homeownership Preparation
Buyer is not ready today. We build the path and track their progress until they qualify.
For Builders

HomeApproval. Turned-Down Buyers Into Closed Deals.

Your buyer cannot yet secure permanent financing, but the transaction can still close. The seller, builder, or manufactured home dealer is paid at closing. The buyer then occupies the home through the HomeApproval structure while working toward permanent financing.

01
We Evaluate the File
Send us the scenario. We run it against every M.A.P. pathway. If HomeApproval is the right fit we move immediately. No delay.
02
The Transaction Closes
The seller, builder, or manufactured home dealer is paid at closing and has no involvement in the lease portion. The buyer then occupies the home through the HomeApproval structure.
03
We Build Their Qualification Profile
During the lease we work their credit, income documentation, and debt. We get them to the point where permanent financing is possible.
04
Buyer Transitions to Permanent Financing
Once the buyer qualifies, permanent financing is completed and the buyer moves into the long-term mortgage. The original seller was already paid at closing and is not part of this conversion.
What This Does for Your Business
The seller, builder, or manufactured home dealer is paid when the transaction closes
You stop losing sales to buyers who want your homes but cannot qualify today
Turned-down buyers become active conversions instead of lost deals
The seller has no responsibility for the lease period or the buyer's later conversion
We handle the financing and program structure while your team remains focused on the property and transaction.
Closed deals in South Carolina. Video testimonials available on request.
We recommend asking sellers for 6% in concessions to maximize the buyer's ability to close.
For Qualified Borrowers

A Strong File Deserves the Right Strategy.

A 720 or 760 credit score does not guarantee you are getting the best available mortgage structure. If your current lender has not shown you every option, we will.

Competitive pricing and rate strategy for strong-credit borrowers
Strategic use of seller concessions to reduce cash at closing
VA benefit optimization for eligible veterans and active-duty borrowers
Down-payment assistance programs available even for qualifying income levels
Second opinion on loan structure, rate, and terms before you commit
24 years of experience means we know where other lenders leave money on the table
Start My Mortgage Review
The Right Strategy Considers All of This
Current interest rate environment and your specific credit tier
Loan program fit: conventional, FHA, VA, or a specialized product
How seller concessions reduce your out-of-pocket at closing
Whether your VA benefit has been fully evaluated and optimized
Down-payment assistance programs that may apply to your income level
Long-term cost of the loan structure, not just the monthly payment
24 Years of Proof

Real Clients. Real Closings. Real South Carolina.

★★★★★
"Two other lenders told us no. D.C. found a way when nobody else would try. We are in our home."
HomeApproval Client  ·  South Carolina  ·  Closed via M.A.P.
★★★★★
"I had given up. The Momentum Assistance Program gave me a path I did not know existed. We closed."
HomeApproval Client  ·  South Carolina  ·  Closed via M.A.P.
★★★★★
"D.C. Terry has been closing loans other brokers called impossible for over two decades. He is the call you make when everyone else has said no."
South Carolina Real Estate Professional  ·  Long-Term Referral Partner
How It Works

We Do Not Need a Full Application. We Need the Complete Picture.

Tell us what you are trying to accomplish and give us the full financial picture. Standard files receive a response within 48 hours after the complete scenario and requested information have been received.

01
Tell Us What You Are Trying to Accomplish
Purchase, refinance, VA, DPA, HomeApproval, investment property, second opinion, or denied-file review. We evaluate all of it using the same intake system regardless of where you are starting from.
02
Give Us the Complete Financial Picture
Credit, income, employment, available funds, military eligibility, property type, and any relevant challenges or prior denials. Give us everything. Let us determine what matters.
03
We Evaluate the Available Pathways
The team reviews the scenario against standard and specialized mortgage options at the same time. You do not have to know which program fits. That is our job. Twenty-four years of experience evaluating standard, manual, and specialized mortgage pathways.
04
You Receive the Correct Next Step
Application, document collection, credit review, preparation plan, or a direct answer about what has to change before you qualify. No vague responses. No runaround. There is a path or there is not. If there is one we walk you through it.
Response timeline: Submit the complete scenario and all requested information by 3:00 PM Eastern and the review clock starts that day. Standard files receive a response within 48 hours. Complex or exception files may require up to five business days. We take the time required to evaluate the actual available pathways.
The Standard Behind the Company

Built on 24 Years of Finding a Way Forward

"The first answer is not always the final answer. Our responsibility is to understand the complete file and identify the strongest legitimate path forward."
D.C. Terry Sr.  ·  Founder  ·  We Get Loans Approved  ·  USMC Combat Veteran

We Get Loans Approved was founded and is led by D.C. Terry Sr., a USMC combat veteran and mortgage professional with 24 years of experience evaluating standard, manual, and specialized approval pathways.

One standard. One team. Every client works with a member of the We Get Loans Approved mortgage team. Each loan officer operates under the same systems, standards, and approval strategy established by D.C. Terry Sr.

CompanyWe Get Loans Approved
Parent EntityMr. Mortgage LLC
LicenseSC NMLS #2178298
FounderD.C. Terry, Sr.
OwnershipVeteran-Owned Business
Military ServiceUSMC Combat Veteran
Experience24 Years  ·  Complex Approvals
SpecialtyManual Underwriting
Service AreaSouth Carolina  ·  All Counties
The Next Step Is Simple

Let's Identify the Right Mortgage Strategy.

Whether your file is strong, complex, challenged, or previously denied, give us the complete picture and let the team determine the right path forward.

Call the Team
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