Buying a Charleston home with your VA loan
Zero down, no monthly mortgage insurance, and sellers who take your offer seriously when it's written right. We do this every month.
What the VA loan gets you in this market
The VA home loan is the strongest benefit most service members and veterans have, and it works well in the Charleston area. No down payment is required for buyers with full entitlement, there's no monthly mortgage insurance, and rates are typically competitive with or better than conventional loans. A one-time funding fee applies unless you're exempt, and it can be rolled into the loan.
The home has to meet the VA's minimum property requirements, which mostly means safe, sound and sanitary. Older homes in West Ashley, James Island and North Charleston usually pass; peeling paint, a bad roof or a non-functioning system can hold things up. We flag those before you write an offer.
How we write a VA offer that wins
Some sellers still hear "VA" and worry about appraisals and delays. That's a myth we counter with facts: a strong pre-approval from a lender who closes VA loans quickly, realistic timelines, and terms that protect you without spooking the seller. We've closed VA purchases in Mount Pleasant, Summerville, Goose Creek, North Charleston and across the tri-county.
Seller concessions can cover closing costs, and in many cases the VA funding fee, which is how many of our buyers get into a home with almost nothing out of pocket. We'll show you the real cash-to-close number before you fall in love with a house.
Condos, new construction and second uses
Condos must be in a VA-approved project; we check the list before you tour. New construction works with VA loans and builders in Nexton, Cane Bay, Carolina Park and Foxbank see them regularly. Already own a home with a VA loan? You may have remaining entitlement to buy again, and VA loans can also be used for a multi-unit property you live in. Call us and we'll walk through your situation.
What clients say
5.0 stars across 26 Google reviews. Read them on Google.
Questions we get
Do I need a down payment with a VA loan in Charleston?
Not if you have full entitlement. Closing costs still apply, but seller concessions can cover much of them. We'll give you a real cash-to-close estimate on any home.
Do sellers in Charleston accept VA offers?
Yes, when the offer is written well and backed by a lender who closes VA loans on time. That's our job.
Can I use a VA loan on a condo?
Only in a VA-approved condo project. We check approval before showing you any condo.
Can I use my VA loan for new construction?
Yes. Builders across the tri-county work with VA buyers regularly.
Can I use a VA loan more than once?
Often, yes. Remaining entitlement and a few other factors decide it. Call (843) 732-3377 and we'll sort out where you stand with a VA lender.
Call or text and you get Tyler or Priscilla, not a call center. Two REALTORS® who work the Lowcountry every week.