Conventional
Flexible terms for primary, second, or investment homes.
- Down paymentLow-down-payment options
- Credit620+
- PMIDrops at 20%
Charleston-based · Licensed in GA, NC, SC and TN
Hey — I'm Christa. Buying or refinancing shouldn't feel overwhelming; it should feel clear, honest, and genuinely cared for. I'll walk with you every step to your front door — with real heart, straight answers, and a plan that actually fits your life.
Not sure yet? Get a Quote in ~2 min — no credit pull, no obligation, and you'll see a ballpark payment. Ready to go? Apply Now.
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 home, next chapter, 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, moving up, or 62+ and tapping equity — 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.
A home loan benefit for eligible veterans and service members, with no monthly mortgage insurance.
A government-backed loan for eligible homes in qualifying rural and suburban Lowcountry areas.
One loan to buy (or refi) and make it truly yours.
Built for business owners whose taxes don't tell the whole story.
FHA-insured HECM — turn equity you already have into cash flow, with no monthly mortgage payment.
Financing beyond conforming limits for higher-value homes.
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.
See your full monthly payment, or find the price range that fits your life. Everything updates as you go.
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 guideThe best part of my job is the people. Here's what they say — read every one (and leave yours) on Google.
54 five-star reviews on Google
Read all 54 reviews Leave me a reviewVerified 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.