Buying a home
Home Purchase Lending
Explore financing options for a primary home with guidance informed by communities across the CSRA and Lowcountry.
Discuss a home purchase
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Residential lending & reverse equity
Clear guidance for your home and your next chapter.
Work with Samantha S. Peel for patient, personal help with home purchases, refinancing, and reverse equity options.
✓ Local perspective ✓ Plain-language answers ✓ A pace that works for you
Mortgage Loan Officer
Samantha S. Peel
speel@mcsfunding.net
NMLS #2685482
Guidance from someone who knows the region
Augusta & the CSRASavannahBeaufort & the Lowcountry
Home lending options
Support for where you are going next
Samantha begins with your goals and explains the options, responsibilities, and next steps in straightforward language.
Reviewing your current loan
Residential Refinancing
Review whether refinancing may support your payment, term, or other financial goals after considering costs and tradeoffs.
Discuss refinancingFor eligible homeowners
Reverse Equity
Learn how eligible homeowners may access a portion of their home equity and what responsibilities continue with the loan.
Understand reverse equity
62+
Designed for eligible homeowners
Your home remains yours. Property taxes, homeowners insurance, maintenance, and other loan obligations must continue to be met.
Understanding reverse equity
Use the equity in your home with a plan you understand.
A reverse equity loan may allow eligible homeowners to convert a portion of home equity into funds without a required monthly principal and interest payment while loan obligations are met.
The amount available and the way funds may be received depend on factors including borrower age, home value, existing mortgage debt, interest rates, and the selected loan program.
- Supplement retirement income
- Plan for home improvements
- Establish a flexible line of credit
- Purchase a new primary residence
Partnered with
NMLS #1025894
NMLS #957935
Video library
Learn at your own pace
Use these short topics to prepare for a conversation with Samantha and your family.
Accessing equity
How borrowers may use funds
Review common ways homeowners may use available reverse mortgage proceeds.
Planning options
Tapping equity during a down market
Consider how home equity may fit into income and asset planning during market volatility.
Product options
Proprietary product uses
Learn how proprietary reverse mortgage options may differ from standard discussions.
Explore HELOC For SeniorsPersonal guidance from start to finish
A conversation before an application
You should understand the options before deciding how to proceed.
- 1
Share your goals
Talk with Samantha about your home, timeline, priorities, and questions.
- 2
Review your options
Discuss potential loan choices, costs, responsibilities, and likely next steps.
- 3
Decide at your pace
Move forward only after you understand the option you are considering.
Your local residential lending contact
Samantha S. Peel
Mortgage Loan Officer · NMLS #2685482
Licensed in Georgia & South Carolina
Samantha provides patient, personal guidance informed by the homeowners and communities she serves throughout the region. Her focus is helping clients understand their choices and feel comfortable asking questions throughout the process.
She serves homebuyers and homeowners from Augusta and the CSRA to Savannah, Beaufort, and surrounding Lowcountry communities.
Common questions
Start with clear answers
Is reverse equity the same as a reverse mortgage?
Reverse equity describes loan products commonly known as reverse mortgages. The specific product, requirements, costs, and responsibilities should be reviewed before making a decision.
Do I still own my home with a reverse equity loan?
Yes. You retain title to your home and remain responsible for property taxes, homeowners insurance, maintenance, and other loan obligations.
Can Samantha help with a regular home purchase?
Yes. Samantha's services include residential purchase lending, refinancing, and reverse equity guidance.
Does the first conversation obligate me to apply?
No. The first conversation is an opportunity to discuss your goals, ask questions, and understand potential next steps.
Start a conversation
Talk with Samantha about your goals.
Call or email directly, or send a brief request. Samantha will follow up to learn more about how she may be able to help.
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