Found the perfect home? We can help you find the perfect mortgage.

Customers first

Borrowers who are happy with the mortgage loan we helped them get are more important to us than anything else. Our goal is to make the loan process as simple and worry-free as possible. We pride ourselves in offering the highest level of customer service, and appreciate the opportunity to earn your business. Whether you want to refinance for a lower mortgage rate, get a new home mortgage, home equity loan or second mortgage, our purpose is to satisfy your needs. By putting you first, we assure you a pleasurable transaction.

Get fast answers

At our website you can find tools available to answer virtually any mortgage question. Trying to decide if now is a good time to refinance? Check out our Refinance Mortgage Calculator. Wondering if a new home equity loan or second mortgage can lower your monthly payments? Use our Debt Consolidation Mortgage Calculator! Confused by all the loan programs from which to choose? Our Loan Program page will help you find the right type of loan for you. Also, we'll be happy to prepare a personalized mortgage quote for the home mortgage program of your choice.

Work with Proven Professionals

UniSource Mortgage Services, Inc. has a long-standing history as a company that has built itself upon ethical lending practices which has enabled them to stand the test of time with its seasoned loan professionals.  Both the company, and its loan officers, are fully licensed and are proud to be registered with the Nationwide Mortgage Licensing System and Registry which allows consumers, just like you, to verify whether a company or an individual is authorized to conduct business in the state where you are seeking financing.  Our company, and our employees, have received unique identifier numbers which you will find listed on their correspondence and business cards (NMLS ID#).  UniSource Mortgage is currently licensed by the following states or entities within those states: South Carolina Department of Consumer Affairs (License #MB-0514306); North Carolina Commissioner of Banks (License #B-116209); Mississippi Department of Banking and Consumer Finance (License #MB/000475/2008); Virginia State Corporation Commission (License #MC-3700); licensed by the Tennessee Department of Financial Institutions (License #0000004295).  We are proud of our company and our staff, and we welcome you to find out what sets us head-and-shoulders above our competition.

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James W. Fletcher, Jr. / NMLS ID #103743
President
UniSource Mortgage Services, Inc / NMLS ID #103644
70 Pennington Drive
Suite 15
Bluffton, SC 29910
Office Phone: (843) 815-9090
Fax: (843) 815-9091
  • Enthusiasm working for you
    Helping people make one of their most important decisions is a serious responsibility, but something that I enjoy doing. This enthusiasm and hard work will benefit you and help reduce the stress and anxiety often associated with real estate transactions.
  • Established Credibility
    I have many years of experience and knowledge working in this industry. I can say with confidence that I'll get the job done right.
 
Mortgage News Daily


MBS RECAP: 2/8/2012 - 6 hours ago
Posted To: MBS CommentaryMBS Live : MBS RECAP Open MBS Live Dashboard FNMA 3.5 103-28 : +0-04 FNMA 4.0 105-21 : +0-02 FNMA 4.5 106-25 : +0-01 FNMA 5.0 108-01 : +0-01 GNMA 3.5 105-08 : +0-02 GNMA 4.0 107-32 : +0-03 GNMA 4.5 109-09 : +0-03 GNMA 5.0 110-31 : +0-02 FHLMC 3.5 103-18 : +0-05 FHLMC 4.0 105-07 : +0-01 FHLMC 4.5 106-08 : +0-02 FHLMC 5.0 107-24 : +0-03 Pricing as of 4:04 PM EST Afternoon Market Updates A recap of MBS Market Updates provided by MND Analysts and streamed live to the MBS Live Dashboard . 1:28PM : ALERT: Limited Reaction to Good-But-Not-Great 10yr Auction Bond markets have reacted in a generally positive way to today's 10yr note auction. The high-yield awarded was 1.1 bps lower than "when-issued" yields just before the release (this is bond-market friendly as it means that yields were...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it.
Mortgage Rates Flat to Slightly Improved After Auction, Greece News - 6 hours ago
Posted To: Mortgage Rate WatchFor several sessions in a row, Mortgages Rates have moved in the opposite direction from the previous session, although even the bigger examples of these movements haven't been enough to nudge 3.875% out of the "best-execution" position. The same back-and-forth movement continued today as rates improved ever so slightly after rising slightly yesterday. Keep in mind, that the term "rates" in this context refers to the combination of the interest rate itself and the closing/borrowing costs required to obtain that rate. We explain more about Best-Execution calculations in THIS POST . Also in the same vein as yesterday, today's market movement began in reaction to headlines surrounding Greece's ongoing negotiations with creditors (the 3 official creditors, the ECB, IMF, and European Commission...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it.
Mortgage Rates Flat to Slightly Improved After Auction, Greece News - 7 hours ago
Posted To: MBS CommentaryFor several sessions in a row, Mortgages Rates have moved in the opposite direction from the previous session, although even the bigger examples of these movements haven't been enough to nudge 3.875% out of the "best-execution" position. The same back-and-forth movement continued today as rates improved ever so slightly after rising slightly yesterday. Keep in mind, that the term "rates" in this context refers to the combination of the interest rate itself and the closing/borrowing costs required to obtain that rate. We explain more about Best-Execution calculations in THIS POST . Also in the same vein as yesterday, today's market movement began in reaction to headlines surrounding Greece's ongoing negotiations with creditors (the 3 official creditors, the ECB, IMF, and European Commission...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it.
Ally said to be Shopping Mortgage Unit - 8 hours ago
Posted To: MND NewsWireOne of the financial institutions that are party to the reported settlement agreement with the attorneys general of the majority of the states is reportedly on the auction block. According to Bloomberg News, Ally Financial is talking with private equity firms about selling its mortgage unit, Residential Capital LCC , through a pre-package bankruptcy. Any sale of the company would be complicated by its recent financial history. The company was founded as General Motors Acceptance Corporation (GMAC) in 1919 by General Motors as an intermediary to provide financing for the purchase of its autos. Over the years it expanded into other types of lending and into real estate brokerage and adopted the acronym as its brand name. GMAC was hard hit by the housing crash and was one of the beneficiaries...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it.
Bond Markets Improve Following 10yr Auction and Fed Selling - 8 hours ago
Posted To: MBS CommentaryAfter the 10yr auction, production MBS and the long end of the yield curve didn't move much at first. But it now seems that some additional bid for the 10yr was on hold until after the Fed's Scheduled selling that ended at 2pm. As that was wrapping up, 10's made another move lower in yield to test the the pivot point just over 1.96% that can be seen in the chart below. First, here's the full text of the MBS Live alert that went out after the auction: Limited Reaction to Good-But-Not-Great 10yr Auction (1:28PM) Bond markets have reacted in a generally positive way to today's 10yr note auction. The high-yield awarded was 1.1 bps lower than "when-issued" yields just before the release (this is bond-market friendly as it means that yields were slightly lower than the street was expecting) and the...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it.