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Laura Heath
Business Name:
Lower Mortgage
Business Description:
Buying a home or investment property can bring up a lot of questions, especially when your income or financial picture does not fit a traditional lending scenario. Laura Heath helps South Carolina homebuyers understand their mortgage options and make informed decisions based on their goals, timeline, and complete financial picture. She works with first-time and experienced homebuyers, Veterans, self-employed borrowers, and real estate investors.
How Business Creates Value:
Lower Mortgage offers residential mortgage financing with guidance shaped around each borrower's short-term and long-term goals. Laura takes time to understand the numbers, explain available loan options, and set clear expectations about the process. Her experience in both loan production and mortgage operations helps her identify potential issues early, structure loans thoughtfully, and help clients understand what to expect from application through closing.
How Member Creates Value:
Laura brings 12 years of mortgage industry experience, including 10 years in sales and two years in operations management and loan officer training. She understands how loans are structured and how files move through the operational side of the business. Clients appreciate that they can ask her anything, receive personal attention, and get advice delivered with the care she would offer a trusted family member. Laura is especially comfortable working through self-employed income and investor financing scenarios that can feel complicated.
A Mortgage Conversation That Starts With Your Goals
You do not need to know all the right mortgage questions before reaching out. Whether you are beginning to explore homeownership, comparing financing options, or planning an investment purchase, Laura will listen first. She will help you understand the choices in front of you, the information needed to evaluate them, and how each option may fit your plans. Her goal is for you to feel informed, prepared, and comfortable with the decision you make.
When the Numbers Need a Closer Look
A tax return, a previous pre-approval, or a quick answer from another lender may not tell the whole story of a borrower's financing options. Laura has experience reviewing more complex situations, including self-employed income and investment property scenarios. She can help borrowers understand which programs may fit their circumstances and what documentation may be needed to evaluate those options. Each loan is assessed on its own facts and applicable program guidelines.
Contact Information
Phone
(843) 209-9993
Email
Website
Skills
- Residential mortgage loan origination, Mortgage product knowledge, Self-employed income analysis, Bank statement loan scenarios, Investment property financing Loan structuring, Mortgage operations, Loan officer training, Client education, Referral partner communication, Transaction expectation management
Credentials
- TEAM Member Since 2026
- NMLS-licensed mortgage professional NMLS ID: 1095626 President's Circle, three consecutive years, NTFN, Inc. d/b/a Premier Nationwide Lending
Interests
- Spending time with family, Baking with her teenage daughter, exploring for insects with her young son, traveling with her husband, Leading worship, Bluegrass Music, Horses and horsemanship
Experience
- 12 years in the mortgage industry as of June 2026 10 years in sales and loan origination; two years in operations management, loan officer training, and sales-to-operations coordination