a pproved by charles

Latitude Margaritaville Hilton Head’s ONLY Onsite Resident Lender

Call Today! (303) 870-6165


great service

A mortgage can be a very complex process and while some lenders disappear after 5pm or on the weekend, I’m almost always available. You deserve to get the answers you need when you need them, not when the lender decides to come back to the office. Want me to prove it right now? Call or text me at 303-870-6165. I’ll always answer or respond quickly. I’m here for your journey!

options galore

It’s never about rates until it is. Getting a great rate with horrible service, non-responsiveness or no communication isn’t the deal you think it is. I’m here to be part of your financial journey now, and in the future. It’s not about a paycheck for me… it’s about the relationship. That being said being a broker and being able to go direct to wholesale for your products and rates insures access to competitive rates and a multitude of programs!

honest & transparent & local

As a Phase 5 Resident Living on Spongecake I personally know the process to build and buy in Latitude Margaritaville Hilton Head. I work closely with Minto and Mikkelson and am always available to focus on your goals! 

When looking for a financial lending partner for your home you deserve someone who will be honest and transparent in all aspects of the process. I promise nothing less. 100% of the time!


Call Today! (303) 870-6165

Smiling Homeowner


For 2023 the Federal Housing Finance Agency, or FHFA, has increase the conventional loan limit to $726,200 for most counties in the United States. Higher cost areas see their conventional loan limits increase to $1,089,300. A conventional, or conforming,  loan has several advantages over other products including lower mortgage insurance for borrowers putting less than 20% down, you can put as little as 3% down for first time homebuyers with a conventional loan, as well as a more streamlined mortgage and documentation process over the jumbo loans that would have been previously required.

Home and Key


A FHA Mortgage is often referred to as the original first time homebuyers mortgage. You can put as little as 3.5% down and the entirety of that can be a gift from a family member. This government backed loan has amazing interest rates and protections for the buyer. If you are looking to buy your first home an FHA mortgage may be a tremendous starting point!

Home Projects are the Best!


VA loans are an amazing option for those who have served this country. If you have a DD214 your qualify! As little as no money down with NO mortgage insurance. If you received a service related disability, thank you for your sacrifice and your service, then you may have no funding fee as well. This program should always be considered if you are a veteran! These are government backed loans with amazing rates below that of conventional loans.


USDA loans are intended for rural development and have income and location limitations but if the location you are looking at is in a USDA eligible area this may be the program for you! Amazing interest rates and a down payment as low as zero percent down!


A HECM, or Home Equity Conversion Mortgage, also referred to as a Reverse Mortgage, is one of the best mortgage products out there. It allows homeowners over the age of 62, and in some cases 55, to either purchase a new home or access their equity without requiring a monthly principal and interest payment. The amount accessible, or the required down payment, are calculated against the property value/purchase price and the age of the borrowers. There are limited income or credit requirements and can help retirees stretch their income, pensions or investments much much farther!

Your New Homestead


A jumbo loan is any ‘conventional’ loan that has a higher loan amount than a regular conventional or high balance mortgage. Jumbo programs are just what the doctor ordered when buying an investment property, primary or secondary home that has a higher valuation. Jumbo loans are often more complex and require additional documentation than that other mortgage programs.


Charles Davis

Mortgage Loan Originator

Call Today! (303) 870-6165

product knowledge


customer service

In residential lending there are thousands of programs and lenders and options. There is always room to learn more and grow. My promise to my clients and their realtors is honesty and transparency and a continued thirst to learn more and improve!


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Twitter @approvedcharles

Call Today! (303) 870-6165

Call Today! (303) 870-6165

I Need Financing Help!

Call Today! (303) 870-6165

© 2023 ApprovedByCharles • 284 Spongecake Drive, Hardeeville, SC 29927

303-870-6165charles.davis@edgehomefinance.com • approvedbycharles@gmail.com

NMLS ID: 1740379EDGE Home Finance Corporation NMLS ID: 891464