Joshan Habeeb

819 Terrace Park Suite 102, Rock Hill SC 29730

Get to know me

I am the Managing Partner and Founder of The Practical Mortgage Solution LLC, committed to transparent, client-first mortgage guidance. With years of lending experience, I create strategies for first-time buyers, investors, and families refinancing. Known for my hands-on approach and availability, I solve complex loan scenarios and close on time. Based in Rock Hill, South Carolina, I value honesty, education, and lasting relationships built through every client’s homeownership journey.

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 should clients expect when working with you from start to finish?

You can expect clear guidance, constant communication, and a smooth process from start to finish. I’m hands-on, available when you need me, and focused on closing loans on time with less stress.

How do you work with clients buying out of state?

Yes! While I’m based in South Carolina (just south of Charlotte, NC) , I’m licensed in multiple states.. I help clients out of state with the same hands-on, transparent service every step of the way.

Where and how do you typically connect with clients?

I meet clients where they are—whether by phone, email, video call, or in person—making communication simple, clear, and convenient throughout the entire mortgage process.

How do you support clients looking to improve their credit before applying?

I guide clients through our Credit Upgrade program, offering personalized steps to boost scores before buying—helping them qualify for better rates, lower payments, and stronger loan options.

How do you feel about clients starting the conversation before they’re ready to purchase?

I encourage early conversations—it gives us time to plan, improve credit, and explore options so clients feel confident and fully prepared when the right time to purchase arrives.