Business Details
28 Years
experience
Your Trusted Mortgage Partner in Lexington, SC
Founded in 1998 by Al Edens and M-L White, our company was built on the principle of providing trustworthy mortgage solutions tailored to individual needs. With over 25 years of combined experience in the mortgage and financial industry, we prioritize competitive products, cutting-edge technology, and personalized service. Our single-point-of-contact approach ensures clients work directly with one dedicated professional from application to closing. Backed by a seasoned team with over 75 years of collective expertise, we specialize in crafting loan solutions for first-time homebuyers, seasoned investors, and everyone in between.Our mission remains steadfast: to make homeownership accessible through customized financing options, including conventional, FHA, VA, USDA, jumbo, and non-QM loans. By blending modern efficiency with traditional one-on-one care, we deliver a seamless and transparent mortgage experience.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
DSCR Loans
Non-QM Loans
Bank Statement Loans
Refinance Loans
Details
- Year established: 1998
Highlights and features
- We offer 25+ years of mortgage industry experience from both founding partners
- Single point of contact ensures personalized guidance throughout the loan process
- Customized loan solutions for unique financial situations and credit histories
- Team combines 75+ years of collective mortgage and financial expertise
- Specialize in niche programs like DSCR and bank statement loans for investors
What people say
So easy on me
Treated with utmost respect
Best possible rates
Speediest refinance
Complete integrity
Services
Conventional Loans
Conventional fixed-rate loans provide stable monthly payments with terms ranging from 10 to 40 years. Ideal for borrowers seeking predictable financing, these loans require as little as 5% down payment. Our team helps clients navigate qualification requirements and secure competitive rates tailored to their financial profile.
FHA Loans
FHA loans offer low down payment options (as low as 3.5%) and flexible credit requirements for first-time buyers. Designed for low-to-moderate income borrowers, these government-backed loans provide accessible pathways to homeownership with competitive interest rates and lenient qualification standards.
VA Loans
VA loans provide zero-down payment options for eligible veterans and active-duty personnel. Backed by the Department of Veterans Affairs, these loans feature competitive rates, no private mortgage insurance requirements, and streamlined qualification processes to support military families in achieving homeownership.
USDA Loans
USDA loans enable zero-down home purchases in eligible rural and suburban areas. These government-backed mortgages target low-to-moderate income buyers, offering competitive rates and flexible underwriting to expand homeownership opportunities in qualifying locations.
Non-QM Loans
Non-QM loans serve borrowers with non-traditional income sources or credit challenges. Using bank statements or asset-based verification, these flexible programs cater to self-employed individuals, freelancers, and those needing tailored financing solutions outside conventional lending criteria.
People
Al Edens
Managing Partner
With 25+ years of mortgage expertise, Al Edens specializes in finding optimal loan solutions for clients. A Columbia native, he combines deep industry knowledge with personalized service to ensure smooth transactions and competitive rates.
M-L Wolff
Managing Partner
M-L Wolff brings 25+ years of mortgage lending experience to complex loan scenarios. She excels at solving challenging financial situations and customizing construction loan packages to meet unique client requirements.
Christina Geiger
Loan Processor
Christina Geiger has 10 years of mortgage processing experience, ensuring seamless coordination between clients, underwriters, and closing teams. Her attention to detail streamlines the loan approval process for efficient transactions.
Questions
What types of mortgage loans do you offer?
We provide conventional, FHA, VA, USDA, jumbo, DSCR, non-QM, bank statement, and refinance loans tailored to diverse financial situations.
How do you customize loans for individual needs?
Our single-point-of-contact approach allows personalized loan structuring based on credit history, employment status, and homeownership goals using multiple lender partnerships.
What experience does your team have?
Founding partners have 50+ combined years in mortgage lending, supported by processors with 10+ years of specialized experience in residential and investment financing.
How can I start the mortgage process?
Begin online application or contact us at 803-779-0270 for a free consultation to discuss loan options and required documentation.
Do you work with first-time homebuyers?
Yes, we specialize in guiding first-time buyers through FHA and USDA programs with low down payment options and flexible qualification criteria.
