"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.

Nick Read – Senior Loan Officer
NMLS# 2020714 Licensed in SC

Originally from Oyster Bay, New York, Nick has called Charleston home since 1995. After graduating from Law School in 2005 and spending 15 years in the business world, Nick was presented with the opportunity to enter the mortgage industry. Since entering the industry, Nick has prided himself on knowing everything about the mortgage / financing process from start to finish and guiding his clients through that process every step of the way.

When not in the office, you can find Nick spending time with his wife and daughter both on and off the water. And, being out and about with their two West Highland Terriers, Alice and Churchill.

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.