FHA Loans
Christopher Gonzalez
Mortgage Banker | Vice President
NMLS #: 263360
34 Broad Street, Charleston, SC 29401
About Christopher Gonzalez
Chris Gonzalez has been in the mortgage industry since 2009 and has been recognized as a Top 1% Mortgage Lender in the nation for the last two years by Mortgage Executive Magazine. When it comes to the home-buying process, Chris focuses on being readily available to both his clients and their realtors, which can really be a benefit to his clients when competing for a property.
Chris has built a process with his assistant of six years, Makenzie Ottinger, that allows for clients to get the help they need right when they need it. He enjoys working with all types of borrowers, and whether a client is searching for the first home, vacation home, or an investment property, Chris and his team have a product to fit their needs. One of his specialties is niche products, which are also available to provide clients with the most creative financing possible, including 0%-down Buyers Advantage loan1, Physician Loans with up to 100% financing2, and Professional Jumbo loan with as little as 10% down3.
Chris Gonzalez is based in Charleston, SC, and mainly focuses on the tri-county area including Berkeley, Charleston, and Dorchester counties. He has full lending capabilities in Alabama, Florida, Georgia, North Carolina, South Carolina, and Virginia (more states are eligible on a case-by-case basis, so please ask!)
Chris has built a process with his assistant of six years, Makenzie Ottinger, that allows for clients to get the help they need right when they need it. He enjoys working with all types of borrowers, and whether a client is searching for the first home, vacation home, or an investment property, Chris and his team have a product to fit their needs. One of his specialties is niche products, which are also available to provide clients with the most creative financing possible, including 0%-down Buyers Advantage loan1, Physician Loans with up to 100% financing2, and Professional Jumbo loan with as little as 10% down3.
Chris Gonzalez is based in Charleston, SC, and mainly focuses on the tri-county area including Berkeley, Charleston, and Dorchester counties. He has full lending capabilities in Alabama, Florida, Georgia, North Carolina, South Carolina, and Virginia (more states are eligible on a case-by-case basis, so please ask!)
All loans are subject to credit approval and program guidelines
- The Buyer's Advantage mortgage provides up to 100% financing based on the lesser of the purchase price or a bank-accepted appraisal; speak to your loan officer for qualification details.
- 100% financing available to qualified borrowers through the bank's Portfolio Physician's Loan Program. Closing costs must be paid upfront and cannot be financed under the 100% program. SouthState will loan up to 100% of the loan to value based on the lesser of the purchase price or a bank-accepted appraisal. The interest on the portion of the loan that exceeds the value of the dwelling within the 100% financing program is not tax deductible and customers should consult a tax advisor.
- 90/85/80/75/70% financing available to qualified borrowers through the bank's Professional Jumbo product. Does not cover or include applicable closing costs. SouthState will loan up to 90/85/80/75/70% of the loan to value based on the lesser of the purchase price or a bank-accepted appraisal.
borrowers through the bank's Professional Jumbo product. Does not cover or include applicable closing costs. SouthState will loan up to 90/85/80/75/70% of the loan to value based on the lesser of the purchase price or a bank-accepted appraisal.
Find the Mortgage Just Right For You
Already started? Log in to check your loan status
Recent Reviews
Chris and his team were great to work with. They held our hands through the process and made we were always up to date and made sure to go everything. Would easily use them again!
I could not speak more highly of Chris! Not only did he make himself available during a time crunch of an offer, he maintained contact with us and brought creative ideas for the loan that would suit our needs best. Chris was the first lender we started with in the area and we didn't need to go anywhere else! I trust Chris and would recommend him to friends and family in a heartbeat.
As a first time homebuyer, Chris and his team at South State did a great job explaining the home buying process and worked with me to get an affordable/fair mortgage rate. They had great communication throughout the entire process and their online portal was very easy to navigate. Overall a fantastic experience!
First-Time Buyer Resources
- Resources for first-time homebuyers
- Tips for improving your credit score
- Get information on pre-qualifying
- Learn about the loan process
- Find a checklist of information you'll need to gather
- Learn about Down Payment Assistance programs
