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Rebuilding South Carolina: Rehab & Construction Loans 

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South Carolina’s charm is undeniable — from the marshfront serenity of Hilton Head to the historic streets of Charleston. But with age and occasional storm damage, many homes here need more than just love — they need repairs, updates, or even a complete rebuild.

As a mortgage broker licensed in South Carolina and a local resident (soon to call Hilton Head home), I specialize in owner-occupied rehab loans and ground-up construction financing designed for families looking to restore, rebuild, or reimagine their homes — without draining their savings.


What Is a Rehab Loan?

Rehab loans allow you to purchase or refinance a home and finance the needed renovations in one single loan.

Whether you’re dealing with:

  • Roof and siding repairs from tropical storms,
  • An outdated kitchen or bathroom,
  • Electrical or plumbing issues,
  • Or converting a single-story cottage into your dream Lowcountry escape,

…a rehab loan gives you the cash upfront to make it happen — before the work begins.

Popular programs include:

  • FHA 203(k) – Low down payment, ideal for first-time buyers and homes needing $10K to $100K+ in work.
  • VA Renovation Loan – For qualified veterans who want to purchase and repair a primary residence.
  • Conventional HomeStyle® – More flexible credit and project guidelines, including luxury improvements.

What If You Want to Build from Scratch?

South Carolina has plenty of infill lots, tear-down opportunities, and hurricane-damaged properties ready for new construction. I offer owner-occupied, forward lock, one-time close construction loans, which allow you to:

  • Finance the lot purchase,
  • Roll in the full cost of construction,
  • And lock in your long-term mortgage — all in one closing.

With as little as 5%–10% down, you can build a custom home without the hassle of multiple closings or temporary loans.


Where This Matters Most

I’m focused on helping South Carolina homeowners in:

  • Hilton Head & Bluffton – Popular areas where aging homes need modern upgrades or rebuilding after storm events.
  • Beaufort & Port Royal – Historic homes with charm — and deferred maintenance.
  • Charleston suburbs – Where demand for rehab and new construction is rising as families move inland.
  • All areas of South Carolina

How I Can Help

  • Free consult on your rehab or build plans
  • Connection to local general contractors & inspectors
  • In-house project analysis for loan approval
  • Local Realtor partnerships to find the right lot or fixer-upper

Let’s Rebuild the Right Way

If you’re a homeowner, contractor, or Realtor in South Carolina looking to finance a renovation or build from the ground up — I’d love to connect.

I’m here to make these loans simple, smart, and fast — with local expertise and nationwide reach.

 Call/Text: (925) 872-0695

Email: dcarlin@valorlending.com

 Free Consultation: Just ask for Darren the Mortgage guy


Coming soon: Our new office in Hilton Head!

Let’s build something beautiful — together.

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