Palmetto State Home Mortgage

Palmetto State Home Mortgage is a mortgage broker in Greenville, SC. The company specializes in VA, FHA, USDA, and Conventional home loans, as well as manufactured and mobile home financing. They serve borrowers with varying credit profiles, offering programs for credit scores as low as 560 for VA loans and 580 for FHA and USDA loans. The team works with wholesale lenders to find specific loan programs and handles oddball purchases and refinances. The business holds a rating of 4.90 based on 252 reviews.

The company is backed by founder Shawn Ezell, a United States Marine Corps Veteran who entered the mortgage industry in 2001. The complete team at Palmetto State Home Mortgage has over 80 combined years of experience in the mortgage business, covering underwriting, funding, originating, and bank loans. They offer closings in 45 days or less and emphasize low closing costs and great rates. As a mortgage broker, they utilize wholesale lenders that do not provide home loans through traditional big depository banks, allowing them to bypass lender overlays and minimum requirements. The business states it is paid by the lender, meaning borrowers are charged nothing toward closing costs or out-of-pocket fees.

The team includes Loan Officer Torrance Bennett, who specializes in FHA, VA, Conventional, and USDA loans for first-time buyers and investors. Loan Processor Chad Frazier is a United States Navy Veteran with over three years of experience. Office Manager and Processor Ann Hayes brings background in customer service and advertising sales. Loan Processor and Owner of Sinclair Processing, Teresa Sinclair, has over 20 years of experience. The business is located at 538 Old Howell Rd, Suite 101, Greenville, SC 29615.

Palmetto State Home Mortgage maintains a strong local reputation, reflected in consistently high customer ratings and an established track record built on a large base of customer reviews. The business has been ranked as the #1 mortgage broker for business rate in Greenville for 2024, 2025, and 2026. This standing demonstrates their ability to simplify the home buying process and save clients money through their broker model.

Palmetto State Home Mortgage combines its extensive team experience and wholesale lender access to help Greenville residents secure home loans with low costs and flexible terms.

Palmetto State Home Mortgage achieves a Performance score of 97 out of 100 from BizScoreAI, which measures how quickly the website loads to keep visitors on the page and influence search engine rankings. The business also holds a Discoverability score of 75 out of 100 from BizScoreAI, which measures whether AI crawlers can access every page of the site to enable recommendations by AI assistants.

Services:

• Conventional home loans
• FHA mortgage loans
• Manufactured & mobile home loans
• USDA rural housing loans
• VA mortgage loans