A real buyer’s guide to the stuff nobody explains early enough

Will This House Actually Qualify?

A South Carolina buyer’s guide to property-condition questions that can come up with FHA, VA, USDA and low-down-payment financing.

Your pre-approval qualifies you. The property still has its own appraisal and loan-program requirements.

My lane: I do not determine whether a property qualifies for financing. I help you spot questions worth raising with your lender, appraiser, inspector or other appropriate professional.

Check the red flags ↓ Get the checklist

South CarolinaFHAVAUSDALow down payment

Visible red flags

Financing questions

Property-type quirks

What to do next

Before we make it dramatic

Not every weird thing is a deal-breaker.

As we walk a house, I am mentally sorting what we see into three buckets. The point is not to diagnose anything during a showing. It is to know when we need better information.

Mostly cosmetic

Ugly? Maybe. Automatically a financing problem? Probably not.

Worth investigating

Something we need more information about before making assumptions.

Needs a closer look

Something that could be relevant to financing, appraisal, insurance or safety. This is where we bring in the right professional early.

Try the interactive checklist

What are you seeing?

Tap anything you noticed in the house. None of these automatically mean the property cannot be financed. They are simply the things I would rather ask about early than discover the hard way later.

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Want the full showing-friendly checklist?

I made the condensed version so you can pull it up while you are actually looking at houses, before an inspection, appraisal or lender review raises a question we could have discussed earlier.

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Optional. Email is all you need to get the guide.

Financing you’re already considering

Optional context only. This is not a mortgage application or loan-eligibility review.

Already looking at a house?

Optional, but this is the fastest way to turn the checklist into an actual conversation about a house you are considering.

Submitting this form sends your intake to Savannah and gives you access to the checklist. A phone number, call/text permission, and future marketing emails are optional. This form is not a loan application and does not determine whether you or a property qualifies for financing.

Email gets you the guide. Everything else is optional.

Before you rule it in or rule it out

Send me the house.

I would much rather spend a few minutes talking through a questionable roof, an old electrical panel or a funky addition before you write an offer, so we can get the right questions in front of the right professional early.

Use the checklist on a property

More buyer tools: Find Your Fit • All buyer tools

I do not determine whether a property qualifies for financing. I am your real estate agent. My role is to recognize when a lender, appraiser, inspector or other appropriate professional needs to be in the conversation, and to help you ask those questions early.