I have a lender you can call that works 24/7 his name is Gabe with 1st Home Mortgage located in Mt. Pleasant give him a quick call or text and he can answer that for you, all lenders aren't the same. My contact info. is below if you want to call me to see if you are really getting a good value on your home, I have one listed in that area that is about 1900 sq.ft. going for around $125K and is practically a new home.