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Gary The Mortgage Expert - RateSaver Mortgage Inc

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Anderson, SC
Gary The Mortgage Expert - RateSaver Mortgage Inc

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Mortgage expert closing purchase & refinance mortgages in South Carolina. I closed over 1500 loans. Great Rates. Incredible Communication.

Easy, predictable mortgage process. Over 24 years of lending experience helping more than 1,500 borrowers. Expertise in FHA, VA, FNMA, USDA (0% down payment), or get a NO MI payment mortgage with only 5% down (LOW payment).

*Specialize In First Time Home Buyers! First Time Home Buyers Click Here

Mortgage Manager serving Greenville, Anderson, Spartanburg, Pickens and Oconee SC areas, and all throughout the state of South Carolina.

10/07/2026

2 Popular Loans this Fall...

1. Get a 5.75%* 5 Year FHA ARM loan for your next home purchase. Call for details.

2. Get an Equity Loan for home improvements and keep your current low rate 1st mortgage.

-Gary Schoenholz, Loan Manager
864-979-1111
28 Years of Mortgage Experience

* Rates are not guaranteed until a rate lock is executed. **FHA ARM Note rate=5.75%, APR=7.395%, $250K FHA 5 year ARM purchase loan. This is an FHA loan with NO prepayment penalty. The rate does not adjust the first 5 years. Then can adjust 1% rate each year. Rates based on a credit score of 660+ (lower scores will affect the rate). 3.5% or more down payment. The Margin is 2.25%. Index is the 1 year Treasury Security which was 4.45% this week. If the rate was adjusting today (month 61), the rate would be 6.75%. Lifetime CAP is 5%, so maximum rate would be 10.75% after 10 years. The ARM purchase loan often works best when the seller pays a 1% - 2% seller contribution towards closing costs. Certain property types are ineligible. All loans are subject to final underwriting approval in order to close.

Gary Schoenholz NMLS # 107429
RateSaver Mortgage Inc
Branch NMLS # 1847969
Licensed in South Carolina

09/21/2026

2 Part Home Buying Plan:

1. Buy a home while prices are LOW (home prices have been dropping) and use our 5.25%* 5 Year FHA ARM loan.

2. Refinance into a fixed rate in 4-5 years (or when mortgage rates dip down)

*Based on 9/21/26 rates. Maximum loan amount = $541,287. in Upstate SC. This is a 30 year FHA ARM mortgage based on a 660+ credit score, the rate will adjust after 5 years which can mean a higher payment after 5 years. APR= 6.79%. The loan is subject loan underwriting and is not guaranteed to be approved. After 60 months, the interest would adjust a maximum of 1% (or 6.25%), then each year can adjust another 1% to a maximum of 5% total increase (or 10.25%) at year 10. The loan margin is 2.25%. The loan index is based off the 1 year Treasury Security which was 4.41% on 9/21/26. If the rate was adjusting today (month 61), the rate would be 6.25%. Maximum mortgage rate after 10 years would be 10.25%. The loan is helped if you can negotiate a 1.0% - 1.5% seller concession towards your closing costs.

Gary Schoenholz NMLS # 107429
RateSaver Mortgage Inc
Branch NMLS # 1847969
Licensed in South Carolina

09/05/2026

Home prices have been dropping. Buy now while it's a buyer's market. If you want a lower rate, call me today for my very low 5 year ARM loan. 864-979-1111.

Gary Schoenholz NMLS # 107429
RateSaver Mortgage Inc
Branch NMLS # 1847969
Licensed in South Carolina

08/11/2026

The Top 3 RateSaver Mortgage Loans for 2026:
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1. Purchase Loans - It's a BUYER'S MARKET. SC Homebuyers in 2026 are taking advantage of dropping home sales prices. Look online, so many homes have dropped their sales price. NOW is the time to BUY!

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2. 5 Year LOW RATE ARM Loans - Many people are getting ARM purchase loans at a VERY LOW INTEREST RATE for 5 years, then you can REFI your loan a few years later. The goal would be to REFI when there is a future interest rate dip down. Call me today to see how LOW your note rate can be.

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3. Home Equity Loans - Many people are getting Home Equity loans to do home improvements and pay off bills. Get a $60,000. Equity Loan with a FIXED rate for UNDER $500./month*.

Call me today at 864-979-1111.

-Gary Schoenholz

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*Based on 8/11/26 rates, 780 credit score, 60% CLTV. Subject to final approval. 20 year fixed rate. Note Rate=7.375%, APR=7.68%. See my website for more details.

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Gary Schoenholz NMLS # 107429
RateSaver Mortgage Inc
Branch NMLS # 1847969
Licensed in South Carolina

08/04/2026

Buy now while home prices are low. We have some very low 5 year ARM loans, then REFI in a few years. Call me today! 864-979-1111.

Gary Schoenholz NMLS # 107429
RateSaver Mortgage Inc
Branch NMLS # 1847969
Licensed in South Carolina

06/17/2026

Your new plan to buy a home. Get a VERY LOW 5 year ARM rate, 4.875%*, then refinance at a low fixed rate the next time rates dip down in a few years.

4.875%* 5 Year ARM TODAY!!!
Sample base payments at 4.875% during initial 5 years, purchase loan...
Loan amount Base Payment*
$250,000 $1,323.02
$350,000 $1,852.23
This is a 30 year ARM (Adjustable Rate Mortgage). The rate would stay at 4.875% for 5 years, then the rate would adjust, but since there is NO PREPAYMENT PENALTY, so you can REFI at anytime to take advantage of any future rate drops. Perfect credit is NOT needed.
Call me for full details. 864-979-1111.

*Based on 6/11/26 rates. APR= 5.79%. Base payment not including MIP (mortgage insurance premium) and property taxes and homeowners insurance. Maximum loan amount = $541,287. in Upstate SC. This is a 30 year FHA ARM mortgage based on a 660+ credit score, the rate will adjust after 5 years which can mean a higher payment after 5 years. The loan is subject loan underwriting and is not guaranteed to be approved. After 60 months, the interest would adjust a maximum of 1% (or 5.875%), then each year can adjust another 1% to a maximum of 5% total increase (or 9.875%) at year 10. The loan margin is 2.25%. The loan index is based off the 1 year Treasury Security which was 3.90% on 6/11/26. If the rate was adjusting today (month 61), the rate would be 5.875%. Maximum mortgage rate after 10 years would be 9.875%. The loan is helped if you can negotiate a 1.0% - 1.5% seller concession towards your closing costs.

Gary Schoenholz NMLS # 107429
RateSaver Mortgage Inc
Branch NMLS # 1847969
Licensed in South Carolina

06/11/2026

4.875%* 5 Year ARM TODAY!!!

Sample base payments at 4.875% during initial 5 years, purchase loan...

Loan amount Base Payment*

$250,000 $1,323.02

$350,000 $1,852.23

This is a 30 year ARM (Adjustable Rate Mortgage). The rate would stay at 4.875% for 5 years, then the rate would adjust, but since there is NO PREPAYMENT PENALTY, so you can REFI at anytime to take advantage of any future rate drops. Perfect credit is NOT needed.

Call me for full details. 864-979-1111.

*Based on 6/11/26 rates. APR= 5.79%. Base payment not including MIP (mortgage insurance premium) and property taxes and homeowners insurance. Maximum loan amount = $541,287. in Upstate SC. This is a 30 year FHA ARM mortgage based on a 660+ credit score, the rate will adjust after 5 years which can mean a higher payment after 5 years. The loan is subject loan underwriting and is not guaranteed to be approved. After 60 months, the interest would adjust a maximum of 1% (or 5.875%), then each year can adjust another 1% to a maximum of 5% total increase (or 9.875%) at year 10. The loan margin is 2.25%. The loan index is based off the 1 year Treasury Security which was 3.90% on 6/11/26. If the rate was adjusting today (month 61), the rate would be 5.875%. Maximum mortgage rate after 10 years would be 9.875%. The loan is helped if you can negotiate a 1.0% - 1.5% seller concession towards your closing costs.

Gary Schoenholz NMLS # 107429
RateSaver Mortgage Inc
Branch NMLS # 1847969
Licensed in South Carolina

06/07/2026

Home Prices are DOWN. Many homes on the market have a recent price DROP. NOW is the time to BUY. Call me today to get preapproved. 864-979-1111.

Gary Schoenholz NMLS # 107429
RateSaver Mortgage branch
NMLS # 1847969
Licensed in South Carolina See less

05/29/2026

Mortgage rates keep DROPPING!!! See how low... https://www.garythemortgageexpert.com/ Get Prequalified for your home TODAY! 864-979-1111

Gary Schoenholz NMLS # 107429
RateSaver Mortgage branch
NMLS # 1847969
Licensed in South Carolina

05/01/2026

It's a buyer's market, here's why... The number of houses for sale is up over 4% the last year, while the number of houses SOLD is about the same as last year. Therefore, today's market is better than last year's market for the buyer. Get Prequalified for your home TODAY! www.GaryTheMortgageExpert.com 864-979-1111

Gary Schoenholz NMLS # 107429
RateSaver Mortgage branch
NMLS # 1847969
Licensed in South Carolina

Address

2315 N. Main Street, Suite 211-E
Anderson, SC
29621

Opening Hours

Monday	9am - 7pm
Tuesday	9am - 7pm
Wednesday	9am - 7pm
Thursday	9am - 7pm
Friday	9am - 7pm
Saturday	9am - 5pm

Telephone

+18649791111

Website

https://www.garythemortgageexpert.com/

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