Direct Realty Funding, Inc.

Direct Realty Funding, Inc. (DRF) is a full-service mortgage company that brokers residential and commercial real estate mortgage loans for the Hilton Head Island and Bluffton areas, as well as for the rest of South Carolina. DRF is a preferred broker for the following eight major banks: Bank of America, GMAC, Chase, HSBC, Flagstar Bank, Lehman Brothers, SunTrust, and Wells Fargo. As such, DRF receives wholesale pricing on mortgage loans from these banks and are able to pass these savings to their clients.

DRF was formed at the end of 2002 by Steve Wilson, a Mortgage Professional with more than twenty-five years of experience in banking and financial services under his belt. His career has been built on emphasizing business development and relationship management.

DRF’s motto is “Experience Counts!” and seems to be proving true, as can be read from customer testimonials, which DRF’s and Steve Wilson’s outstanding service of making the mortgage process easy, ensuring that clients are well-informed, making the best loan arrangements, and helping clients obtain the best financing packages and lowest interest rates. DRF even provides a $500 guarantee that if, through the company’s fault, a loan doesn’t close on time or as agreed upon during the application, DRF will donate $500 to a charity of the client’s choice.

Loans Offered by Direct Realty Funding

  • Conforming 15 and 30 Year Fixed Rate Loans
  • Conforming 3/1 and 5/1 Adjustable Rate (ARM) Loans
  • 15 and 30 Year Fixed Rate Jumbo Loans
  • 3/1 and 5/1 Year Adjustable Rate (ARM) Loans
  • Interest Only Loans
  • Refinance Loans
  • Home Equity Lines of Credit
  • 100% Financing (for qualified borrowers)
  • Financing Lot Loans
  • Construction Loans
  • Commercial Loans (up to $25 million)

Potential clients can fill out a free pre-qualification application on DRF’s website. This application helps them determine how much financing they qualify for, as well as provides them with preliminary loan approval. If a client is unsure about applying for a mortgage loan, he or she can still fill out an application for an obligation-free pre-qualification analysis. Additionally, DRF will provide a free credit report with client permission.

The DRF Website also provides information on current mortgage rates, a “Glossary of Lending Terms,” a general mortgage calculator, a loan comparisons calculator, and a loan payment calculator with amortization schedule. There is also a list of recommended realtors for the Hilton Head and Bluffton locales and current listings for homes that are for sale in their area.

Additionally, Internet customers can subscribe to the Direct Realty Funding E-Newsletter. Each month, subscribers will receive an email containing valuable mortgage information, including current mortgage rates and financial trends, a monthly mortgage tip, a monthly financial forecast, as well as information on upcoming Hilton Head Island events. As well as being able to stay on top of the mortgage market, subscribers are also entered in a monthly drawing for which the prize is dinner for two.

DRF’s memberships include: the National Association of Home Builders (NAHB), Mortgage Bankers Association, Mortgage Bankers Association of the Carolinas, Inc., the Hilton Head-Bluffton Chamber of Commerce, and the US Chamber of Commerce.

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