Conventional
Fannie Mae & Freddie Mac backed loans with flexible terms from 10–30 years. As low as 3% down for qualifying borrowers. Best rates for strong credit profiles.
SC · NC · GA · FL
NMLS #2346195
ELEMENT MORTGAGE
Tyler Nagorski
Senior Mortgage Consultant
We don't issue denials.
We build mortgage plans.
Every client — regardless of situation — leaves with a clear path forward.
Licensed in SC, NC, GA & FL · Company licensed in all 49 states
21
Day avg. close
49
States available
0
Denials issued
13+
Loan programs
DAILY DEBRIEF
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01 / Residential Lending
Conventional & Government Loans
Standard programs for primary residences, second homes & investment properties across SC, NC, GA & FL.
FHA Loans
Government-backed loans accepting credit scores as low as 580 with just 3.5% down. Ideal for first-time buyers or those rebuilding credit. Higher loan limits in 2025.
VA Loans
Zero down payment for eligible veterans, active duty, and surviving spouses. No PMI, competitive rates, and no prepayment penalties. Our honor to serve those who served.
USDA Loans
100% financing for properties in eligible rural and suburban areas of SC, NC, GA & FL. Low mortgage insurance and competitive fixed rates.
Jumbo Loans
Loan amounts above conforming limits ($766,550 in most markets). Financing luxury properties, vacation homes, and high-value primary residences with competitive rates.
Renovation Loans
FHA 203(k) and Fannie Mae HomeStyle loans that finance the purchase plus renovation costs in a single loan. Buy a fixer-upper and roll in the rehab budget.
02 / NonQM Lending
Non-Traditional & NonQM Programs
Been told you don't qualify? These programs are built for borrowers with unique income, assets, or situations. No tax returns required for most.
NonQM
Bank Statement Loans
Qualify using 12–24 months of personal or business bank statements — not tax returns. Designed for self-employed borrowers, business owners, and freelancers whose taxable income doesn't reflect actual earnings. We average your deposits and use that as qualifying income.
NonQM
DSCR Loans
Debt Service Coverage Ratio loans qualify based on the property's cash flow — not your personal income. If the rent ≥ the mortgage payment, you generally qualify. No W-2s, no tax returns, no pay stubs. Built for real estate investors scaling a portfolio.
NonQM
1099 Income
Qualify using 1–2 years of 1099 forms rather than full tax returns. Ideal for independent contractors, gig workers, sales professionals, and commission-based earners whose write-offs reduce taxable income on paper but not in their bank account.
NonQM
WVOE — Written Verification of Employment
Qualify with a simple letter from your employer verifying your income and employment — no tax returns required. Perfect for borrowers with complex tax situations, large deductions, or those who've recently changed jobs or industries.
NonQM
Asset Depletion
Use your liquid assets — savings, investment accounts, retirement funds — as qualifying income. We divide your total eligible assets over the loan term to create a monthly income figure. No job required. Ideal for retirees, high-net-worth individuals, and those living on investments.
NonQM
Non-Warrantable Condos
Finance condominiums that don't meet conventional guidelines — including buildings with high investor concentration, active litigation, short-term rental exposure, or low owner-occupancy ratios. We have lenders who specialize in these deals at competitive rates.
NonQM
No Income Options
No income documentation required — period. Qualification is based entirely on assets, equity, and property value. Ideal for high-net-worth borrowers, those with complex offshore or non-traditional income, or anyone whose income simply can't be documented through standard channels.
Not sure which program fits? That's exactly what we're here for.
Book a Free Strategy Call
ConventionalFHAVAUSDAJumboRenovationBank StatementDSCR1099 IncomeWVOEAsset DepletionNon-Warrantable CondoNo IncomeCommercialHard MoneyBridge
03 / Tools
Mortgage Calculator
Estimate your monthly payment. Contact Tyler for your actual rate and a full pre-approval.
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04 / Social Proof
What Clients Are Saying
Real reviews from real clients — verified on BirdEye.
Reviews are hosted live on BirdEye — click below to read them straight from the source.
Read Verified Reviews →
05 / Questions
Frequently Asked Questions
What makes Close With Ty different from other mortgage lenders?
We don't issue denials. Every client — regardless of credit, income type, or situation — leaves with a clear mortgage plan. Whether that means closing in 21 days or building a 6-month roadmap to get there, you'll always know your next step. We carry conventional, government, and NonQM programs that most lenders don't touch, and we're licensed in SC, NC, GA & FL with company access to 49 states.
I was told I don't qualify — can you still help?
Almost certainly. Most lenders only have 2–3 products and send a rejection when you don't fit them. We have 13+ programs including Bank Statement, DSCR, 1099, Asset Depletion, WVOE, and more. If there's a path, we'll find it. If you need time to prepare, we'll build the plan.
What is a DSCR loan and who qualifies?
A DSCR (Debt Service Coverage Ratio) loan qualifies based on a property's rental income vs. its mortgage payment — not your personal income. No W-2s, no tax returns, no pay stubs. Investors who own multiple properties, run LLCs, or have complex personal income situations are ideal candidates. If the property cashflows, you likely qualify.
What is a Bank Statement loan and who is it for?
A Bank Statement loan uses 12–24 months of bank deposits to calculate your income — not your tax returns. This is built for self-employed borrowers, business owners, gig workers, and freelancers who write off expenses and show low taxable income. Your business may be thriving but your 1040 says otherwise. We fix that.
How long does closing typically take?
Our average close time is 21 days. We move fast, stay in communication, and don't let deals fall through due to lender delays. We'll set clear milestones at the start and hit them.
What states do you lend in?
Tyler is personally licensed in South Carolina, North Carolina, Georgia, and Florida. Element Mortgage (a division of American Pacific Mortgage) is licensed in 49 states — covering virtually the entire country. If you're buying or refinancing anywhere outside of New York, we can help.
Can I get a mortgage if I'm self-employed?
Absolutely. We have multiple programs specifically designed for self-employed borrowers: Bank Statement loans, 1099 loans, WVOE, Asset Depletion, and more. We don't force your situation into a conventional box. Book a call and we'll match you to the right program within minutes.
Do you offer commercial and hard money loans?
Yes. We offer commercial loans for multifamily, mixed-use, retail, office, industrial, and specialty properties — plus hard money / bridge loans for fix-and-flip, ground-up construction, and short-term investment deals. See our Commercial and Hard Money pages for details.