Tamara Vandiver, Mortgage Loan Officer NMLS #1089186

Tamara Vandiver, Mortgage Loan Officer NMLS #1089186 Providing a thoughtful, human approach to lending after actually listening to the clients goals.

Retired Veteran > Licensed Mortgage Loan Originator based in Summerville, SC and able to do business in in many states - just ask! Specialize in VA Loans and helping First Responders but help all all folks regardless of their military service. I just help with the tenacity/grit I learned with my 22yrs in the military.

What happens when a veteran falls in love with a house and ignores the inspection report? Problems tied to drainage, mol...
07/31/2026

What happens when a veteran falls in love with a house and ignores the inspection report? Problems tied to drainage, mold, or aging systems can turn into lender questions and repair requests later, which is why the report should be read line by line, not skimmed. For a VA purchase, the practical move is to separate minor upkeep from issues that need licensed inspection or correction.

A common mistake is focusing on the house search before the paperwork is ready. A buyer with W-2 income, student loans, ...
07/30/2026

A common mistake is focusing on the house search before the paperwork is ready. A buyer with W-2 income, student loans, and a gift for closing funds should get the gift-letter paperwork, recent pay stubs, and bank statements organized early so underwriting does not stall later. That preparation can matter more than touring one more property.

When the appraisal comes in and the numbers are still being sorted out, that is often the moment a buyer can push for cr...
07/29/2026

When the appraisal comes in and the numbers are still being sorted out, that is often the moment a buyer can push for credits instead of lowering the price. In a VA deal, those credits can help cover eligible fees, but they need to be negotiated as part of the offer so the lender can document them correctly.

Before a VA preapproval, check one thing first: whether every source of income is documented consistently. A buyer with ...
07/28/2026

Before a VA preapproval, check one thing first: whether every source of income is documented consistently. A buyer with base pay plus housing allowance can run into delays if the paperwork is mixed together or incomplete, even when the rest of the file is strong. Organize the income trail, then let the lender review the rest. Walk through the steps. https://bit.ly/4xpf0LO

A buyer with strong income can still get stalled by one missing document. If there are 1099s, a recent job change, or gi...
07/27/2026

A buyer with strong income can still get stalled by one missing document. If there are 1099s, a recent job change, or gift funds in the mix, gather the paper trail before underwriting asks for it. The mistake is waiting until the file is already under review to track down explanations and signatures.

A veteran who plans to move again in a few years should look at the exit plan before the offer. With a VA loan, the real...
07/26/2026

A veteran who plans to move again in a few years should look at the exit plan before the offer. With a VA loan, the real question is whether the home fits the time you expect to stay, the maintenance it will need, and whether you can handle a later sale without stretching your budget.

A ranch can simplify stairs and maintenance, but a multi-story layout can separate bedrooms from living space. Before yo...
07/25/2026

A ranch can simplify stairs and maintenance, but a multi-story layout can separate bedrooms from living space. Before you tour, write down what matters most: main-floor laundry, guest space, or fewer steps for daily routines. That checklist keeps the conversation focused on fit instead of curb appeal alone.

Think through the purpose before you tap equity: debt consolidation, a renovation, or a reserve for uneven income all po...
07/24/2026

Think through the purpose before you tap equity: debt consolidation, a renovation, or a reserve for uneven income all point to different loan choices. A borrower with self-employment income may need to show 1040s and 1099s, while a conventional refinance may require a different documentation path than FHA or VA. Compare this to your situation. https://bit.ly/4fGbZjL

If you are saing for a downpayment, some loans require as little as 3% down, while others may require more. There are al...
07/23/2026

If you are saing for a downpayment, some loans require as little as 3% down, while others may require more. There are also loan options—like VA loans—that may allow for no down payment at all for eligible buyers. https://bit.ly/4gfgIZY

A common first-offer mistake is focusing only on the list price. A buyer using FHA, for example, still has to account fo...
07/22/2026

A common first-offer mistake is focusing only on the list price. A buyer using FHA, for example, still has to account for escrow items, HOA dues if the community has them, and whether the seller's concessions actually cover the full set of closing costs. Build a side-by-side sheet that compares those items before you decide which home is cheaper to own.

Address

700 Nexton Square, Suite 253
North Charleston, SC
29405

Opening Hours

Monday 8am - 8pm
Tuesday 8am - 8pm
Wednesday 8am - 8pm
Thursday 8am - 8pm
Friday 8am - 8pm
Saturday 10am - 6pm
Sunday 10am - 6pm

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