Gracen Watts

553 Savannah Highway, CHARLESTON SC 29407

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Get to know me

I have been in the mortgage business since the 1900's! There is so much knowledge in this brain of mine and I'm excited to share it with you! Out of all the companies I've worked for, Mint Group Mortgage is the best. We're Small on Purpose, meaning we have time to get to know you and make sure we're doing what's best for your unique homebuying situation.

My experience

Licensed in:

Florida

Georgia

North Carolina

South Carolina

Loan Products:

Adjustable-Rate Mortgages (ARM)

Conforming Loans

Conventional Loans

Fannie Mae

FHA

Fixed-Rate Mortgages

Freddie Mac

Ginnie Mae

Jumbo Loans

Non-Conforming Loans

USDA

Years of experience:

Languages spoken:

English

Brokerage info

What you can expect from me.

Find answers to my most-asked questions, covering everything from how I'll support you to what you need to start the process.

What documents do your clients need to start the process?

For a prequalification, you just need to fill out an application online with information that you probably already know. For a pre-approval, we’ll need the application PLUS income and assets.

What are your typical fees or lender costs?

There is not a set fee per loan. We are flexible. Each situation is different and we match up our fee with each situation.

How do you work with clients buying out of state?

We are licensed in SC, GA, FL and NC!

How do you provide rate quotes for clients who want to protect their credit score?

Yes! If you know your approximate credit score, I am happy to provide a quote for you without a credit pull. I can also use a soft pull so your score won't be affected.

Who do you love helping most, and how do you make the home loan process easier for them?

First-time homebuyers and young people just getting started are my favorite! I love explaining the process and making them feel comfortable with the everything from pre-approval to closing!