About T.J. Cullen
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.
