Carla Harkness
Mortgage Loan Originator & Construction Specialist
About
I have been in the mortgage industry for four years, and one of the best parts of my job is being able to assist families in securing their dream forever home. It is incredibly important to understand that home loans are as diverse as the people who seek them which is why I prioritize getting to know my clients and their situations in order to find the best loan option for them.
Outside of working at Silverton, I enjoy spending my time reading, hiking in the great outdoors, and traveling with my family. I currently live in Columbia, South Carolina with my husband and 13-year-old son who has recently turned me into a Jaguars fan. I will always root for my hometown USC Gamecocks when watching SEC football!
Our Loan Programs
Buying a home can be overwhelming. There are so many financing options, offered by so many different banks, lenders, and brokers. Don’t stress yourself out trying to find the perfect product and perfect rate on your own – that’s what we’re here for! Contact us today to start a conversation about which loan option is right for you.
All LoansConventional
A Conventional Purchase is a “traditional” mortgage with as little as 3% down payment, requiring no upfront mortgage insurance fees and cancellable monthly private mortgage insurance. Both Fixed Rate & Adjustable Rate Mortgage options are available.
FHA
If you’re a first-time homebuyer and your credit score isn’t great, an FHA loan may be a great option for you. FHA loans allow for as little as 3.5% down and have options available for buyers with credit scores as low as 600.
HomeReady® Mortgage
With as little as 3% down, reduced mortgage insurance, and no minimum contribution from the borrower, this option is perfect for first-time homebuyers who may have a relative helping with the down payment.
USDA
Designed for properties located in rural areas, the USDA loan program provides up to 100% financing (0% down).
What Our Clients Say
