Hey — I'm Christa Votaw (NMLS #1111313), a Charleston-based loan officer with Clear Home Loans. Whether you're buying your first place in Mount Pleasant, moving up in West Ashley, or refinancing on James Island, I'll make the whole thing feel clear, honest, and genuinely cared for.
Finding the right mortgage in the Charleston market shouldn't feel like decoding a foreign language. As a local mortgage loan officer, I help buyers and homeowners across the Lowcountry find the loan that actually fits their life — with straight answers, real numbers, and no pressure. You work directly with me from the first question to the closing table, not a 1-800 call center.
I'm licensed in South Carolina, Georgia, North Carolina, and Tennessee, and I'm proud to call Charleston home. If you're comparing lenders, here's my promise: I'll tell you the truth about your options, move fast, and treat you like a neighbor — because you are one.
From downtown to the islands to the suburbs — if you're buying or refinancing here, I can help.
Also serving buyers across South Carolina, Georgia, North Carolina & Tennessee.
Christa Votaw (NMLS #1111313) is a Charleston-based loan officer with Clear Home Loans, a Division of Aspire Home Loans, LLC. She holds a 5.0 rating across 55+ client reviews and is known for clear, honest, no-pressure guidance for first-time buyers, move-up buyers, and refinancers across the Lowcountry.
Start with a short, no-pressure conversation. I review your income, credit, and goals, then show you a comfortable monthly payment and the programs you qualify for — often within a day. Apply at christa.floify.com or call (843) 647-9686.
Far less than 20% for most buyers. Many first-time buyers put down 3–3.5%, and VA and USDA loans can be $0 down for those who qualify. SC Housing down payment assistance can help with your down payment and closing costs.
Absolutely — it's one of my favorite parts of the job. I'll walk you through budgeting, credit, programs, and assistance at your pace, with straight answers the whole way.
The entire Lowcountry — Charleston, Mount Pleasant, James Island, Johns Island, West Ashley, North Charleston, Summerville, Daniel Island, Folly Beach, and Goose Creek — plus buyers across SC, GA, NC & TN.
Tell me a little about you and I'll reach out personally — no pressure, just a warm, honest conversation.