"Great to work with. Everything was very quick and well organized. Would recommend 100 percent."
Mike T.
"Just refinanced with this wonderful company! It was so easy and quick and they kept me informed every step of the way. 
They made the process simple for me, and I would definitely recommend using them! Thanks for all of your help."
Terri C.
"Great mortgage process. All of the folks were easy to work with and committed to processing things promptly. 
Mobile and online tools were easy to use. I’ve owned 6 homes in the last 20 years and this was the easiest mortgage process 
of all of them."
Russel W.

Grace Johnson – Loan Officer
NMLS#  2218424 Licensed in SC

Grace Johnson was born and raised in Charleston, SC. She became a licensed realtor at age 19. After 4 years of practicing real estate, Grace decided she was ready for a change of pace and acquired her mortgage license. In 2021, she joined the Southern Coast Team as a loan officer. Grace is excited to continue her passion of helping people achieve their home buying goals.

When Grace isn’t working you can find her at the beach, spending time with her fiancé Lloyd or having a game night with friends.

Favorite quote: “You will face many defeats in life, but never let yourself be defeated.” – Maya Angelou

Ready to get started?

Don’t start the home buying process at an open house. Your first step should be a mortgage pre-approval. By talking with your loan officer, you can determine if you qualify for a loan and how much you can borrow. A pre-approval gives you a leg up when it comes to a competitive and quick moving real estate market – some sellers and agents won’t accept your offer without it!

Download our new app or apply now to get the process started!



When you work with Direct Mortgage Loans, you’ll receive prompt, personal service that enhances your home buying experience. We provide real-time updates that allow us to keep you updated every step of the way. The entire loan process, from application to closing is managed in-house – this results in a shorter loan process. Every employee of our company has direct access to all processors and underwriters. We have built a business that is recognized for integrity, excellent service and efficient processes.


All the tools you need in one app! Calculate your mortgage options, scan encrypted paperwork from you app, message your loan officer and more.



Are you ready to begin the home search? The first step is to get pre-approved. Our online application is simple, fast and provides us with the information to begin the process.