Make the Charleston your new home

Full Transparency | Communication | Digital Experience

That’s why Femme Capital Partners is one of the TOP RATED Charleston Mortgage Brokers

Call (855) 44-Femme

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click here to buy a home

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Us vs.
Big Banks

Simply put, we’re not a bank. Our process offers the ease of a digitally intuitive online service coupled with high-level personal support. Providing step by step communication and guidance at every turn. We’ve paved the path, so our clients know they’re headed in the right direction.

Empowering Women

Our focus is on women, because we are women. We understand the needs of women and the challenges that they face when it comes to accessing a loan. We provide the power and independence they need to accelerate their financial futures.

Backed By Experience

This isn’t our first rodeo. With decades of industry experience, we know the path to long-term wealth like the back of our hands. We support our clients through their financial journeys leading with this expertise.

a trusted & experienced mortgage lender

    
 
 
        
   Melissa Walsh 
 2024-09-04
 
 
  Laura was incredibly responsive and always kept me updated. Despite our client's challenging circumstances, she managed to make it work. Now, our client has his dream home and couldn’t be happier!
  
 
       
   Jill Hamilton 
 2024-09-03
 
 
  Laura was amazing to work with! I represented the buyer in the transaction, she made sure to keep me up to date every step of the way & was super responsive & always available. Not only was she super fun to work with, but incredibly professional!
  
 
       
   Lisa Marie York 
 2024-08-04
 
 
  I recently had the pleasure of working with Laura and Pamela from Femme Capital to secure a mortgage for my new home, and I couldn’t be more grateful for their exceptional service. From the very beginning, it was clear that Laura and Pamela were not only extremely knowledgeable but also had years of experience in the industry.

Their expertise and professionalism truly shined through in every interaction. They took the time to understand my unique situation and worked tirelessly to find the best mortgage option for me. What stood out the most was their genuine desire to see me succeed. As a single woman navigating the complex world of home buying, it was incredibly empowering to have the support of these two amazing women who clearly had my best interests at heart.

Laura and Pamela made the entire process smooth and stress-free. They answered all my questions with patience and clarity, ensuring I felt confident and informed every step of the way. Their dedication and commitment to their clients are truly commendable.

Thanks to Laura and Pamela, I am now a proud homeowner. They helped me realize that my dreams of owning a home were not just possible but achievable. I highly recommend Femme Capital to anyone looking for a mortgage lender that combines expertise, professionalism, and a personal touch. Thank you, Laura and Pamela, for making my home-buying journey a wonderful experience!
  
 
       
   Courtney Roberson 
 2024-08-04
 
 
  Laura and her team are amazing! I’m a first time homebuyer and they made sure that I got the best deal possible!!! Pam is awesome too!!! Great team to work with and you are able to get in touch with them for that personal touch.
  
 
       
   Tina Hollins 
 2024-05-31
 
 
  From start to finish, Laura is there every step of the way, always taking the extra initiative to address any concerns and make the process as seamless as possible. There is no one else I'd trust my clients with! Her professionalism and expertise have made complex transactions feel effortless. Whether it's a residential mortgage or a commercial loan, Laura's attention to detail and commitment to her clients are truly exceptional. Looking for transparency, competitive rates and programs, and a lender that you can trust CALL LAURA DANTUMA! You will not be disappointed.
  
 
       
   Kathleen Highsmith 
 2024-05-31
 
 
  I have had the pleasure of working with many loan officers, but Laura C. Dantuma truly stands out. She is an exceptional loan officer who brings a level of dedication and expertise that is unmatched in the industry. Laura’s responsiveness is nothing short of remarkable. She is always quick to answer questions and provide updates, ensuring that everyone involved is well-informed and confident throughout the loan process.
  
 
       
   Kathy Hardin Earl 
 2024-05-29
 
 
  I absolutely, absolutely loved working with this agency. Their knowledge and attention to detail was immeasurable. I purchased my first commercial property and was green regarding the process. I could not have been in better hands.
  
 
       
   Ferhat Han 
 2024-04-29
 
 
  I got a home loan through Femme Capital with Claudia Langarica's assistance. She was professional and knowledgeable, guiding me smoothly through the process and promptly answering all my questions. I had a positive experience overall and would recommend Femme Capital, especially Claudia, for their excellent service.
  
 
       
   Lynnette O 
 2024-03-02
 
 
  Absolutely great to work with. Claudia was very responsive and made the buying process a lot easier.  Femme Capital was very professional and I would recommend them to anyone looking to purchase a property.
  
 
       
   Oyewole Praise 
 2023-11-08
 
 
  I boldly recommend Femme Capital Partners to anyone. My experience was awesome while working with them to get my house. Claudia was ever ready to listen and help. They are really above and beyond in their field. I am glad I was introduced to FCP. Thank you everyone in FCP and  please keep up the good work.

DISCOVER CUSTOMIZED MORTGAGE SOLUTIONS FOR RESIDENTIAL AND COMMERCIAL NEEDS

Whether you're a first-time homebuyer or a seasoned homeowner, or you're venturing into the world of commercial real estate, Femme Capital Partners is here to assist you in selecting the ideal mortgage loan, tailored to your unique requirements.

Loan Types

Residential Mortgage Loans

Looking to apply for a residential mortgage loan in the Charleston area? Femme Capital Partners will guide you step by step.

Conventional Loans

What are the loan requirements ?
As a borrower, these are the minimum conventional loan requirements you should be prepared to meet: Interested in the Charleston Area then a Credit score of at least 620. Debt-to-income ratio of no more than 45% Minimum down payment of 3%, or 20% with no PMI.

FHA Loans

What is a FHA loan?
FHA home loans are mortgage loans that are insured against default by the Federal Housing Administration. FHA loans are available for single family or multifamily homes. These Charleston home loans allow banks to continuously issue loans without much risk or capital.

Jumbo Loans

What do underwriters look for?
A majority of the Charleston mortgage lenders want to be sure their loans will be repaid even in the event of financial hardship. Three of the primary requirements for jumbo loans in the Charleston are a high credit score, low debt-to-income (DTI) ratio and good cash reserves.

VA Mortgage Loans

What are the VA requirements?
At least 90 days of active-duty service including at least 30 consecutive days (your DD214 must show 32 USC sections 316, 502, 503, 504, or 505 activation), or. 6 creditable years in the National Guard and you were discharged honorably or placed on the retired list.

Non Qualified Loans

A non-QM is a home loan is:
These loans are designed to help home buyers who can't meet the strict mortgage criteria. Example, if your moving to Charleston are self-employed or don't have all the necessary documentation to qualify for a traditional mortgage, you might need to look at non-qualified mortgages.

Get Pre-Approved NOW!

Welcome to an Exceptional Mortgage Journey! In just a few short moments, you’ll discover your eligibility and explore a multitude of enticing loan options and competitive interest rates.

Embark on this swift and effortless digital pre-approval interview to commence your exciting journey!

Commercial Mortgage Loans

Whether you’re a small business owner seeking capital for growth or a property investor looking to acquire real estate, your financial needs are our top priority. Why endure the frustration of approaching traditional banks only to face potential denials and the need to start over?

At Femme Capital Partners, we’ve got you covered. Our expert team will guide you through the entire process, ensuring that your loan is meticulously packaged right from the start. With our streamlined loan process, we’re here to help you realize your dreams faster than ever before!

Choose Femme Capital Partners for a seamless journey towards your financial goals.

Mortage Loan FAQS

From qualification requirements, affordability, and loan types – to rates, escrow, fees, & much more – Femme Capital Partners will answer your most important mortgage FAQs!

MORTGAGE CALCULATOR

What is the 3 7 3 rule in mortgage?

The initial Truth in Lending Statement must be delivered to the consumer within 3 business days of the receipt of the loan application by the lender. The TILA statement is presumed to be delivered to the consumer 3 business days after it is mailed.

What questions are mortgage lenders not allowed to ask?

Because of the Equal Credit Opportunity Act (ECOA), lenders are prohibited from discriminating against you because of your age, marital status, national origin, race, religion, sex, sexual orientation, and if you receieve income from public assistance programs.

What should you not say to a Charleston mortgage lender?

Anything Untruthful.
What is the most I can borrow?
Check out my new credit cards!
Changing jobs annually is my specialty.
This salary job is not for me, I am going to commission based job.

What are the 3 C's of mortgage lending?

After the above documents (and possibly a few others) are gathered, an underwriter gets down to business. They evaluate credit and payment history, income and assets available for a down payment and categorize their findings as the Three C’s: Capacity, Credit and Collateral.

What do underwriters look for in mortgage approval?

When trying to determine whether you have the means to pay off the loan, the underwriter will review your employment, income, debt and assets. They’ll look at your savings, checking, 401k and IRA accounts, tax returns and other records of income, as well as your debt-to-income ratio.

What do you consider to be a red flag in loan applications?

The most obvious Red Flag that you are taking a personal loan from the wrong lender is the High Interest Rate. The rate of interest is the major deciding factor when choosing the lender because personal loans have the highest interest rates compared to other types of loans

Can you be denied a mortgage after being approved?

Can a Mortgage Be Denied After Preapproval? Yes, it’s possible to have your loan application denied after getting preapproved for a mortgage. It doesn’t seem fair, but the reason this is possible is because your loan has to go through the underwriting process before it’s finalize

Make the Charleston area your home

Charleston is a financial hub and a thriving, modern city. Make it your ideal home and investment today!

Call (855) 44-Femme

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Popular Charleston Neighbohoods

List includes cities from Cook County, Lake County & Dupage County in Illinois.

Get your FREE First Time Buyer Guide

Unlock the secrets to successful homeownership with our exclusive ‘Get Your 1st Time Buyer Guide.’ This comprehensive resource is your trusted companion on the path to your very first home, offering expert insights, valuable tips, and step-by-step guidance.

Prepare to embark on a journey that leads you to the front door of your dream home.

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