REALTOR® Partner Program · Upstate SC · Western NC · Lake Keowee

A broker who makes
you look good.

Fast pre-approvals. Honest communication. 100+ lenders and programs your client actually qualifies for. No surprises at the table. Ever.

Apply to Partner Why Work With Me ↓
For REALTOR® Partners

Your client's financing
reflects on you.

When a deal falls apart at the financing stage, it's your relationship that takes the hit — even when it wasn't your fault. The lender who says yes and then can't deliver. The one who misses a call. The one who never looked for a creative solution.

I approach every referral like my name is on the line — because in your client's eyes, it is. I will communicate with you every step of the way. I will find solutions other lenders won't. And I will never make you look bad.

Why partner with me

Four things that make this
partnership worth having.

01
I say yes more than anyone else

With 100+ lenders in my network, I have access to programs most retail banks and single-lender LOs will never touch. Self-employed with complex returns? Asset-rich retiree relocating from out of state? DSCR investor? ITIN holder? DACA recipient? I have a program for clients that other brokers turn away. You close more deals. Full stop.

02
I treat communication like my reputation depends on it

Because it does. You will hear from me proactively — not when you chase me. Pre-approval turnaround in 24 hours or less. Updates at every milestone. Immediate notification if anything changes. You should never have to wonder where a deal stands. If you do, that's a failure on my part — and I take that seriously.

03
I know this market specifically

I'm based in Clemson. I understand Lake Keowee waterfront financing, the Cliffs Communities, Keowee Key, Greenville market dynamics, and Anderson price points. I understand the out-of-state relocation buyer — which is a massive segment of Upstate SC. Your clients get a broker who knows the territory, not one who's googling it.

04
My background is a differentiator for your clients

Former licensed NYC real estate appraiser. A decade as a holistic practitioner. I bring a level of human understanding to stressful transactions that most financial professionals don't have. Your clients will feel that. They'll remember how the experience felt — and they'll associate that with you.

"Your client deserves a broker who knows this market, knows these programs, and will never leave you out of the loop."

Loan Officer Chels · Clemson · Lake Keowee · Upstate SC · NC

What I bring to your clients

Programs your clients
can't get at a bank.

Most retail lenders offer the same 4–5 products. I shop 100+ lenders across every program type — which means more of your clients qualify, and more of your deals close.

VA Loans
Zero down, no PMI. For veterans, active duty, Guard & Reserve, and surviving spouses. I specialize in making sure veterans use the full benefit — including the funding fee waiver for 10%+ disability.
DSCR Investor
Qualify on rental income, not personal income. No W-2s, no tax returns. No portfolio cap. For your investor clients buying single-family rentals, STRs on Lake Keowee, or multifamily.
Bank Statement
12 or 24 months of deposits used instead of tax returns. For self-employed buyers whose tax returns show low income but whose cash flow tells a different story.
Asset Depletion
Investment portfolio converted into qualifying income — no liquidation required. For retirees relocating to Lake Keowee who have real wealth but limited monthly income on paper.
ITIN & DACA
Mortgage programs for buyers without a Social Security number or with DACA status. Not all lenders do this. I know the ones who do — and how to get it closed.
Conventional & FHA
First-time buyers, move-up buyers, downsizers. 3–5% down options, down payment assistance programs, and competitive rates across NC & SC.
Jumbo & Luxury
High-value lake properties and luxury purchases above conforming limits. Programs up to $3M+ with competitive rates for strong credit profiles.
Relocation & Remote
Full remote closing capability. I work with out-of-state buyers relocating to Upstate SC every week — pre-approval, lock, and close without a local office visit.
What you can count on

My commitment
to every partner.

These aren't aspirations. They're the baseline. If I ever fall short of any of these, tell me directly.

⏱
24-Hour Pre-Approval

Pre-approval letter within 24 business hours of a complete file. Your buyers are ready to make offers fast.

📲
Proactive Updates

You hear from me at every milestone — not when you chase me. You'll never wonder where a deal stands.

✓
No Surprises at the Table

If something changes in underwriting, you know immediately. No last-minute blowups. No finding out at closing.

◎
I Find the Yes

When a file looks complicated, I don't default to no. I shop 100+ lenders until I find the right one — or I give you an honest answer about why it won't work.

↗
On-Time Closing

I manage the timeline aggressively from pre-approval to CTC. Your listing dates and contract timelines are treated as non-negotiable.

⊕
You Stay in the Loop

Your clients are your relationships. I never try to become their primary point of contact. I support you — not the other way around.

Client types I work with

Every buyer type.
One broker.

If you're working with any of these buyer profiles, I have a program built for them.

Relocation
Out-of-State Buyer

Moving from FL, the Northeast, Midwest. Often retiring. Full remote closing. Familiar with the Lake Keowee and Upstate SC market from a financing standpoint.

Self-Employed
Business Owner

Strong cash flow, low taxable income. Bank statement loans use 12–24 months of deposits. Don't let their tax return kill the deal.

Investor
Portfolio Builder

DSCR loans — qualify on rental income, not personal income. No cap on investment properties financed. Lake Keowee STR, Greenville multifamily, Anderson SFR.

Retirement
Asset-Rich Retiree

Investment portfolio used as qualifying income without liquidation. Specifically designed for retirees buying on Lake Keowee with limited W-2 income.

Military
Veteran / Active Duty

VA loan specialist. Zero down, no PMI. Funding fee waiver for 10%+ disability. I make sure veterans use every dollar of their earned benefit.

First-Time
First-Time Buyer

FHA, conventional 3% down, down payment assistance. Clear communication throughout. They feel educated, not confused — which reflects well on you.

Non-Traditional
ITIN / DACA Buyer

Programs available for buyers without SSN or with DACA status. Not all lenders do this — I know the ones who do. Don't let these clients walk away without a real answer.

Luxury
High-Value Purchase

Jumbo and non-conforming programs up to $3M+. Lake Keowee waterfront, Cliffs Communities, Keowee Key. Competitive rates for strong credit profiles.

"A lender who makes you look good is the best referral you'll ever give your client."

Partner With Chelsea · NMLS# 2741400

Local market knowledge

I know the markets
you work in.

Lake Keowee waterfront financing has nuances — Duke Energy easements, dock permits, HOA structures, property type eligibility — that a generic lender won't understand. Relocation buyers from out of state have different timelines and needs than local move-up buyers. DSCR investors buying Airbnb properties near Clemson University have specific STR income documentation requirements. I know these things. Your clients benefit from that.

Apply to Partner →

Lake Keowee & Communities

The Cliffs · The Reserve · Keowee Key · Waterside Crossing · Harbor Point · Pinnacle Pointe

Lake Hartwell & Jocassee

Chickasaw Point · Foxwood Hills · Jocassee Ridge · Westminster · Walhalla

Clemson Corridor

Clemson · Seneca · Central · Pendleton · Anderson · Easley

Greenville Metro

Greenville · Simpsonville · Greer · Taylors · Travelers Rest · Mauldin

Western NC

Asheville area · Highlands · Cashiers · Blue Ridge foothills

Partner Application

Apply to work
together.

I keep my partner relationships intentional. Tell me about your business — the markets you work in, your buyer types, and what's most important to you in a lending partner. I'll follow up within 24 hours to set up a call.

24-hour response to every application
30-minute intro call to talk through your client mix
No obligation — just a real conversation
Chelsea Reeder, Mortgage Broker

I review every application personally and respond within 24 hours.

Chelsea Reeder | NMLS# 2741400 | Motto Mortgage Community Solutions | NMLS# 2629349 | Licensed in NC & SC | Equal Housing Lender ■ This is not an offer to extend credit or a commitment to lend. All loan applications are subject to underwriting approval. Rates, program terms, and conditions are subject to change without notice. Not all products are available in all states or for all loan amounts. Individual savings, rates, and results will vary. Subject to satisfactory property appraisal, title search, and other conditions. This site is for informational purposes only.