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Reasons why you should use DeWitt Mortgage for your mortgage needs:

  • Wholesale - We are a Wholesale Mortgage Broker who offers industry low mortgage rates and industry low closing costs to borrowers. Whether you are purchasing a home or refinancing an existing mortgage, our mortgage professionals shop a large portfolio of lenders for you so you can spend your time doing the things you enjoy.
  • Experience - Each of our mortgage professionals have 15+ years of mortgage experience.
  • Service - We answer and returns calls promptly. If you call during business hours and we do not answer, we are on another call or at lunch. Please leave a message and your call will be returned within 2 business hours. For a quicker response, please email .
  • Giving back - A percentage of company earnings is donated to the Medical University of South Carolina Children's Hospital.
  • No closing costs - Ask us about our no closing cost options.
  • No down payment - Ask us about our no down payment options.
  • Quick closings - Once we receive your information, closings take an estimated 30 days and many times we can close your loan quicker.
  • Same day estimates - We email, fax, or mail you free estimates that include rates, costs, prepaids (property taxes, insurance, and interest), and mortgage payments. These estimates will help you make an educated decision.
  • Fast pre-approvals - Once we receive your information, we will pre-approve you within 2 business hours.
  • Low credit scores - We offer mortgages down to a 560 credit score.
  • Products - We offer Conventional, Jumbo, VA, FHA, USDA, and Adjustable Rate loans.
  • Quick closings - Once we receive your information, closings take an estimated 20 - 30 days.
  • Straightforward - We make the process of securing a mortgage simple and straightforward.
  • South Carolina - We finance primary residences, second homes, and investment properties anywhere in South Carolina. If you need help with financing in Georgia, we can refer you to a Wholesale Broker who handles transactions in that state.
  • Local - We are local. We value partnering with our neighbors.





Current Rates as of 11/25/2013 @10:30AM
(APR in parenthesis)

Conforming Fixed

30 Yr - 4.0% (4.16%)

25 Yr - 4.0% (4.16%)

20 Yr - 3.875% (4.03%)

15 Yr - 3.0% (3.16%)

10 Yr - 2.875% (3.03%)

Conforming ARM's

5 Yr - 2.875% (3.03%)

5 Yr Int. Only (IO) - 2.875% (3.03%)

7 Yr - 3.25% (3.41%)

7 Yr IO - 3.25% (3.41%)

10 Yr IO - 3.75% (3.91%)


FHA / VA: 30 Yr - 3.625% (3.78%)

FHA / VA: 15 Yr - 3.125% (3.28%)

FHA / VA: 5 Yr ARM - 3.125% (3.28%)

USDA: 30 Yr - 3.75% (3.91%)


15 Yr Jumbo - 3.625%(3.78%)

30 Yr Jumbo -4.75%(4.91%)

5 Yr Jumbo ARM - 2.875%(3.03%)

7 Yr Jumbo ARM- 3.5%(3.66%)

*Rates are for purchases and refinances. Rates driven by credit, loan amount, and equity position. If a refinance, cashing out equity affects rates. Rates change often.

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Five Ways to Improve your Credit Score

Payment History has a 35% impact. Paying debt on time and in full has a positive impact. Late payments, judgments and charge-offs have a negative impact.

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Top 10 Do’s and Don’ts During the Loan Process

DON’T APPLY FOR NEW CREDIT OF ANY KIND. Including those “You have been pre-approved” credit card invitations that you receive in the mail.

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