FHA Loans
Jules Deas III
Mortgage Sales Manager | Senior Vice President
NMLS #: 659167
34 Broad Street, Charleston, SC 29401
About Jules Deas III
Jules has been in the mortgage industry since 2010 and focuses on two main principles to deliver great customer service: accessibility and integrity. Because many mortgage rates and programs can be similar across institutions, Jules and his team at SouthState believe that the customer experience is paramount.
Jules has been a perennial top-performer and enjoys working with any and all borrowers, but over the years has built a reputation in the medical community as a go-to expert for physicians, dentists, and veterinarians. Jules also enjoys helping borrowers with construction and renovation loans, having personally worked through several extensive construction projects. Whether you are a first-time homebuyer seeking to get prequalified, or an experienced buyer seeking a niche product such as our Doctor Loan1 with up to 100% financing , our Professional Jumbo Loan2with up to 90% financing, or a construction or lot loan, Jules is here to help.
Jules is based in his hometown of Charleston, South Carolina and has a strong client base across the Southeast US. 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!). There are many guidelines and options to consider when financing, but Jules has found success with a simple approach - answer the phone when it rings, and be honest with everyone.
Read my article: "Home Refinancing Basics"
Jules has been a perennial top-performer and enjoys working with any and all borrowers, but over the years has built a reputation in the medical community as a go-to expert for physicians, dentists, and veterinarians. Jules also enjoys helping borrowers with construction and renovation loans, having personally worked through several extensive construction projects. Whether you are a first-time homebuyer seeking to get prequalified, or an experienced buyer seeking a niche product such as our Doctor Loan1 with up to 100% financing , our Professional Jumbo Loan2with up to 90% financing, or a construction or lot loan, Jules is here to help.
Jules is based in his hometown of Charleston, South Carolina and has a strong client base across the Southeast US. 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!). There are many guidelines and options to consider when financing, but Jules has found success with a simple approach - answer the phone when it rings, and be honest with everyone.
Read my article: "Home Refinancing Basics"
- 100/95/90% financing available to qualified borrowers through the banks In House Mortgage Solutions for Medical Professionals (eligibility is based on degree and is currently available to physicians; dentists; and veterinarians -- MD; DO; DDS; DMD; and DVM). Closing costs must be paid upfront and cannot be financed under the 100/95/90% programs. SouthState will loan up to 100/95/90% 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% financing available to qualified borrowers through the banks Professional Jumbo product. Does not cover or include applicable closing costs. SouthState will loan up to 90/85/80/75% 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
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
