Joshua Epps at Rate (NMLS #430939) of Murrells Inlet

Joshua Epps at Rate (NMLS #430939) is a mortgage broker in Murrells Inlet, SC, serving individuals and families seeking home purchase financing, mortgage refinancing, and fast closings. Specializing in a range of loan types including VA, FHA, USDA, jumbo, physician, and foreign national loans, the business also offers innovative solutions such as 5-minute pre-approvals, no appraisal HELOCs, and down payment assistance programs. With a focus on low down payment options and accelerated timelines, including same-day approvals with as little as 3% down, the team emphasizes a stress-free, efficient mortgage process. Clients benefit from personalized service and access to digital tools that streamline every step. The business is recognized for its strong client satisfaction, with a reputation for transparency and reliability.

The business operates under the Rate brand, a company founded in 2000 with a mission to deliver more value than any traditional bank or mortgage lender. Known for pioneering digital innovation, Rate launched the world’s first fully digital mortgage in 2015, enabling applications in as little as 15 minutes. The company emphasizes transparency, customer service, and technology-driven efficiency, with a culture that values employee well-being and community impact. Rate’s leadership team, including President & CEO Victor Ciardelli, drives continuous innovation and a commitment to serving all clients equally, regardless of background. The company supports over 50 individuals and families annually through its foundation and encourages employees to contribute to community improvement.

Located at 870 Inlet Square Dr., Unit D in Murrells Inlet, SC, the office sits just a short drive from Highway 17, about 0.4 miles away, and is nestled near Stanley Lake, Stanley Creek, and the Windjammer Village neighborhood. It is also within 0.3 miles of Inlet Medical Associates, placing it in close proximity to essential local services.

The business is distinguished by its thorough, well-documented online presence and a website optimized for search engines, ensuring easy access to accurate information. This strong digital foundation supports consistent visibility and reliable client engagement.

With a focus on fast, flexible, and inclusive mortgage solutions, Joshua Epps at Rate stands as a trusted partner in Murrells Inlet’s growing real estate market, helping residents achieve homeownership with confidence and ease.

Services:

• 15-Year mortgage
• 30-Year mortgage
• FHA mortgage
• Home Equity Loans
• Home Purchase Loans
• Home equity line of credit
• Mortgage Pre-approval
• Mortgage Refinancing