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Buying a home?

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No matter what your situation is, there is a home financing solution for you. We are ready to guide you through your options and get you the best deal possible!

Conventional

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FHA

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VA

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$1,000 Lowest Rate & Fees Guarantee

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Jumbo

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Renovation

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USDA

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Mortgage Loan

How the process works

1

Documentation

There are a few critical documents we will need to verify to start your process.

2

Appraisal

The appraisal ensures the home you are buying is worth the price that is being offered.

3

Initial Underwriting

The Underwriter will verify that all information is accurate and authentic.

4

Conditional Approval

Conditional Approval is granted when the Underwriter approves the loan under certain conditions.

5

Clear To Close

The Underwriter verifies that all documentation has been provided and all conditions have been met.

6

Closing

Signing the final documentation and receiving the keys to your new home!

Josh Collins

President //  NMLS #211219

Josh Collins, President of Flow Mortgage in Columbia, South Carolina, has been helping customers afford the home of their dreams for almost 2 decades and loves what he does. Josh has quickly made a name for himself through his analytical prowess, problem-solving skills, and empathetic client service.

At Flow Mortgage, Josh has created a client-first culture, propelling the company’s growth and reputation for innovative loan solutions. He also champions community involvement, encouraging his team to support local initiatives.

Outside work, Josh is devoted to his family and enjoys exploring the outdoors of South Carolina. He is a community advocate and family man, setting high standards of excellence and integrity in the mortgage sector.

josh@flowmtg.com(803) 331-1716
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