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Mission & Vision


Mark DeitschLifeTree Lending started with a dream or vision to be far more than just a Mortgage Company. LifeTree Lending is a Top Tier Premier Residential Mortgage Broker established in Charleston, SC in 2007. We have grown from a boutique firm to a powerhouse broker in the greater Charleston and Greenville, SC Markets. LifeTree’s new, state-of-the-art central office located in Mt. Pleasant, SC is a unique statement to represent the quality and peace of mind we hope to deliver to every client who chooses to work with or for us. Once you visit us you will understand that Lifetree Lending is everything but a traditional old Mortgage Broker.

LifeTree has developed relationships with over 25 of the nation’s top lenders in order to offer our clients the best and broadest mortgage financing available. Carefully selected lenders enable LifeTree to gather the best loan programs on the market today that will accommodate any mortgage scenario. Being able to offer access not only to the lowest rate lender on any given day, we are also able to select the best lender for our customers needs.

Not only do we use every possible tool technology offers to streamline the loan process for our clients, we have hired mortgage experts who are some of the best problem solvers in the Mortgage Industry.

Mark Deitsch, Owner / President
mark@lifetreelending.com
MMLS258057




LifeTree Advantage





LifeTree Lending has over 14 years of total experience in the mortgage industry; including surviving the collapse of the US Housing industry in 2008..




LifeTree Lending has curated relationships with a dedicated blend of lenders to serve all of our client’s needs.




Because we treat our customers right they reward us with referrals and repeat business. LifeTree Lending also prides itself on being dependable and reliable. You can count on us to do our best for every customer. We strive to be your Mortgage company for Life.







FAQ





Generally speaking, you can purchase a home with a value of two or three
times your annual household income. However, the amount that you can borrow will also depend upon your employment history, credit history, current savings and debts, and the amount of down payment you are willing to make. You may also be able to take advantage of special loan programs for first time buyers to purchase a home with a higher value. Give us a call at 843-375-5900 and we can help you determine exactly how much you can afford..




With a fixed-rate mortgage, the interest rate stays the same during the life of the loan. With an adjustable-rate mortgage (ARM), the interest changes periodically, typically in relation to an index. While the monthly payments that you make with a fixed-rate mortgage are relatively stable, payments on an ARM loan will likely change. There are advantages and disadvantages to each type of mortgage, and the best way to select a loan product is by talking to us.




An index is an economic indicator that lenders use to set the interest rate for an ARM. Generally the interest rate that you pay is a combination of the index rate and a pre-specified margin. Three commonly used indices are the One-Year Treasury Bill, the Cost of Funds of the 11th District Federal Home Loan Bank (COFI), and the London InterBank Offering Rate (LIBOR)..




There is no simple formula to determine the type of mortgage that is best for you. This choice depends on a number of factors, including your current financial picture and how long you intend to keep your house. LifeTree Lending LLC can help you evaluate your choices and help you make the most appropriate
decision.




For most homeowners, the monthly mortgage payments include three separate parts:
1. Repayment on the amount borrowed
2. Payment to the lender for the amount borrowed
3. Monthly payments are normally made into a special escrow account for items like hazard insurance and property taxes. This feature is sometimes optional, in which case the fees will be paid by you directly to the County Tax Assessor and property insurance company.




The amount of cash that is necessary depends on a number of items. Generally speaking, though, you will need to supply:
1.  The deposit that is supplied when you make an offer on the house
2.  A percentage of the cost of the home that is due at settlement
3.  Costs associated with processing paperwork to purchase or refinance a house