Charleston mortgage lender
The Biggest Little Lender in South Carolina.
Lorcan Lucey has made home loans in Charleston since 1990, more than $3 billion of them. You get competitive rates and a local team that answers the phone and delivers what it promises.
- 5.0 165 Google reviews
- 35+ yearslending in Charleston
- $3B+in closed loans
Client reviews
Rated 5.0 by 165 clients on Google.
“We worked with Lorcan for the purchase of our first home and would absolutely recommend him to anyone. He is incredibly responsive, answered all of our questions…”
“He was quick to respond to all questions and followed up with us and everyone involved to make sure things stayed on track from start to finish.”
“As a first time home buyer, I thought this would be a more difficult process. Lorcan made it truly so simple…”
“He made the process so seamless and educated us along the way. He was so fast to respond and get things moving!”
“He helped me a lot when I was coming from Germany… and he had trust in me on my first mortgage in the US to buy my home.”
“Beyond being the best lender in South Carolina, he’s also one of the kindest and most genuine people I’ve had the pleasure of working with.”
Rating and review count from Google as of September 2026.
Loan options
The right loan for a first home, a move-up or an investment.
First-time buyer or seasoned investor, the right loan depends on your goals, finances and history. Lorcan will walk through all three with you and point you to the program that fits.
Buying a home
- Conventional fixed-rateYour rate and principal-and-interest payment stay the same for the full term.
- FHA loansGovernment-insured, with flexible credit guidelines.
- VA loansFor eligible veterans, service members and surviving spouses.
- Jumbo loansFor homes priced above conforming loan limits.
- First-time buyer programsPrograms and plain-English guidance for your first purchase.
- Bank statement loansSelf-employed? Qualify with bank statements instead of tax returns.
- DSCR loansFor investors: qualify on the property’s rental income.
- Bridge loansBuy your next home before your current one sells.
Refinancing
- Rate-and-term refinanceChange your rate, your term, or both.
- Cash-out refinancePut your home equity to work for renovations, tuition or debt.
- VA refinanceRefinance options built for VA borrowers.
Not sure which one fits? Request a quote and Lorcan will walk you through your options.
How it works
Six steps from pre-approval to keys.
Lorcan keeps you updated at every stage, so you always know where your loan stands.
Pre-approval
Know your budget before you shop, so your offer carries weight.
Shop
Tour homes with your real estate agent.
Application
A few documents get your file ready for underwriting.
Processing
We assemble the paperwork and details the underwriter needs.
Underwriting
The underwriter reviews your full loan package.
Closing
Documents go to the title company, and you get the keys.
About Lorcan
A Charleston lender since 1990.
Lorcan Lucey, president of Lucey Mortgage Corporation, has originated loans in Charleston for more than 35 years and closed over $3 billion in mortgages. He knows mortgage lending, and he knows the neighborhoods where his clients live.
The difference from a big-box lender is simple: we answer the phone, deliver the service we promise, and work to get you a competitive rate. Lorcan is an education-first loan officer who explains every option in plain language and guides you through each step.
Charleston’s market runs from historic homes on the peninsula to newer neighborhoods in Mount Pleasant, West Ashley, James Island and beyond. Local knowledge helps connect where you want to live with a realistic price range and timeline.
Areas we serve
- Charleston
- Mount Pleasant
- North Charleston
- West Ashley
- James Island
- Johns Island
- Summerville
- Goose Creek
- Myrtle Beach
- Greenville
Free, no-commitment quote
Get a personalized rate quote.
Answer a few questions to start the conversation. Lorcan will follow up with the loan options, rates and fees that fit your situation.
- Speak with a local mortgage professional
- Free consultation, no commitment
- Competitive rates and fees
Rather talk now? Call (843) 224-3650 or email lorcan@luceymortgage.net.
Ready to apply? Start your online application.