Helping veterans, jumbo, first-time homebuyers, and self-employed borrowers in South Carolina Lowcountry buy homes with confidence, without the stress.


Hi, I'm Elizabeth Curry, a mortgage loan officer based in Mt. Pleasant, SC, helping clients navigate the home financing process with clarity and confidence for over 20 years and over 1,400 families helped.


I specialize in working with veterans, jumbo, first-time homebuyers, and self-employed borrowers across the Lowcountry in South Carolina, including Mt. Pleasant, Awendaw, Isle of Palm, Sullivans Island, James Island, Johns Island, Charleston and North Charleston, offering tailored loan solutions and a smooth, transparent experience from start to finish.


Whether you're:  
- Buying your first home  
- Exploring refinancing options  
- Looking into programs like VA, Jumbo, and Conventional  
- You have unique income  
- Relocating  
I'll walk you through your options and help you choose the right strategy—not just the easiest one.


What sets me apart:  
- Quick closings  
- Handhold from application to closing. I show up at your closing table.  
- Transparent and informative  
- Quick to respond! Mortgage rules can sometimes be confusing and getting ahold of your loan officer with questions should be the easy part.


Do you need 20% down to buy a home? No—many buyers qualify with as little as 3–5% down depending on the loan program. What credit score do you need? It varies, but there are options available even if your credit isn't perfect. How much home can you afford? That depends on your income, debt, and goals—I'll help you break it down clearly.


I've helped clients throughout the South Carolina Lowcountry secure financing for homes ranging from all price ranges and property types and I'm proud to be a trusted resource for both buyers and local real estate agents.


Check out my client reviews below to see what it's like to work together.


When I'm not helping clients, you'll find me spending time with my family, out on the boat or reading. I believe this business is about relationships—and being someone people can rely on long after closing. If you're thinking about buying, refinancing, or just want to explore your options, let's connect.

VP of Mortgage Lending

Elizabeth Curry is your Mt Pleasant local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Elizabeth is committed to helping homeowners with home purchase loans and refinances. Contact Elizabeth at (843) 942-6458 for more information!

Elizabeth Curry at Guaranteed Rate Affinity (NMLS #552433)

Helping first-time homebuyers, move-up buyers, jumbo borrowers, and veterans in South Carolina buy homes with confidence, without the stress.


Hi, I'm T.J. Cullen, a mortgage loan officer based in Mt. Pleasant, SC, helping clients navigate the home financing process with clarity and confidence for 28 years and over 1500 families helped.


I specialize in working with first-time homebuyers, move-up buyers, jumbo borrowers, and veterans across Charleston, Summerville, Berkeley County, and Dorchester County offering tailored loan solutions and a smooth, transparent experience from start to finish.


Whether you're:  
- Buying your first home  
- Exploring refinancing options  
- Looking into programs like FHA, VA, Conventional, or Jumbo  
I'll walk you through your options and help you choose the right strategy—not just the easiest one.


What sets me apart:  
- Excelling at complex deals, unique income, and fast closings  
- I work with top agents and I'm a resource for how to put difficult deals together, including non-contingent deals  
- I pride myself in elite communication and transparency. I always answer phone when possible or get back to my clients quickly. I work weekends and am constantly following up.


Do you need 20% down to buy a home?  
No—many buyers qualify with as little as 3–5% down depending on the loan program.  
What credit score do you need?  
It varies, but there are options available even if your credit isn't perfect.  
How much home can you afford?  
That depends on your income, debt, and goals—I'll help you break it down clearly.


I've helped clients throughout Charleston, Summerville, Berkeley County, and Dorchester County, SC secure financing for homes ranging from all prices and property types, and I'm proud to be a trusted resource for both buyers and local real estate agents.


Check out my client reviews below to see what it's like to work together.


When I'm not helping clients, you'll find me as a dedicated husband with 2 sons. I enjoy spending time with family and playing or watching sports.


I believe this business is about relationships—and being someone people can rely on long after closing.  
If you're thinking about buying, refinancing, or just want to explore your options, let's connect.

Originating Manager

T.J. Cullen is your Mt Pleasant  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, T.J. is committed to helping homeowners with home purchase loans and refinances. Contact T.J. at (843) 712-7571 for more information!

T.J. Cullen at Guaranteed Rate Affinity (NMLS #145102)

As your trusted Guaranteed Rate Affinity Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Trey Thomas is your Mt Pleasant  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Trey is committed to helping homeowners with home purchase loans and refinances. Contact Trey at (843) 666-3054 for more information!

Trey Thomas at Guaranteed Rate Affinity (NMLS #249850)

With over 51 years of experience in the mortgage industry, my greatest joy lies in assisting clients secure financing for their dream of homeownership or refinancing to achieve long-term financial confidence.


I proudly serve homebuyers and homeowners throughout Charleston, Dorchester, and Berkeley counties in South Carolina. From application to closing, I provide clear guidance and dependable service. My comprehensive range of home financing options includes Conventional, FHA, VA, and USDA loans, as well as Renovation and Reverse Mortgage certifications. This enables me to assist you with various mortgage-related needs, such as home purchases, debt restructuring, property renovations, or exploring ways to access home equity as part of a well-thought-out retirement strategy.


Regardless of your situation buying, refinancing, renovating, or planning for the future my primary objective is to streamline the mortgage process, ensure responsiveness, and tailor it to your unique requirements.


Serving Charleston, Dorchester, and Berkeley counties, I specialize in providing Conventional, FHA, VA, USDA, Renovation, and Reverse Mortgage solutions in South Carolina.

Joe Thompson is your Mt Pleasant  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Joe is committed to helping homeowners with home purchase loans and refinances. Contact Joe at (843) 614-3863 for more information!

Joe Thompson at Guaranteed Rate Affinity (NMLS #277003)

Guaranteed Rate Affinity

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