Today we have the spotlight on Craig Calkins, our Manager of Information Technology he is located at our corporate office on Devine Street in Columbia. Craig is a major resource in keeping our organization running, we hope you enjoy getting to know a little more about him below: 

How many years have you worked at HME ? 13+

What is the favorite part of your job? Working with great people.

Favorite activity outside of work: Traveling with family

What are some favorite LOCAL places to eat in Columbia & Lexington? In Columbia, The War Mouth in Lexington,  Zoe’s

Favorite LOCAL Product or Business, and why: Reaves Woodworks it’s great to see one of my closest friends take a risk to do something he truly loves.  

Name a must-see LOCAL spot in Columbia.   Riverbanks Zoo & Garden especially after the expansion.

You can see that Craig is a man of few words, however he always makes sure we are running smoothly. Thank you Craig for you loyalty, dedication and sleepless nights-we couldn’t do it without you!!

Team Homeowners Mortgage



Perhaps you have considered a Reverse Mortgage in the past and the numbers just didn’t work for you. Well, now may be the time to take another serious look. Since 2012 home values have been steadily on the rise, so you now may have a substantially increased equity position in your home. Which means you will have more proceeds available from a Reverse Mortgage. Also, you are older and since calculations are based on the age of the youngest borrower, the older you are the more proceeds are available. So in the last 5 years the two “defining” factors for a Reverse Mortgage, age and home value, may have changed for the better for you. Thus, increasing the equity in your home and therefore generating more proceeds available to you. Also, if you have a mortgage to pay off, that mortgage balance is now lower than it was several years ago which will also increase your available equity.

You are now farther along in your retirement planning so you may have a clearer picture of the direction you should take to achieve your goals. So, whether it’s for downsizing, travel, helping the kids and grandkids or just having that peace of mind that comes with a cushion for unforeseen expenses a Reverse Mortgage may now work for you.

Remember, with a Reverse Mortgage you own title in your home for as you live in the property as your primary residence. You must stay current on property taxes and homeowners insurance  payments. It’s a home loan, with no monthly mortgage payment, that enables you to convert a portion of your homes equity into Tax Free funds. And, because the home is the only collateral attached to the loan when your estate is settled any remaining home equity, along with your other possessions, belongs to your heirs. So now’s the time to take another look at the HECM “Reverse Mortgage”.

Interested in more information on the reverse mortgage? Contact us today at 828-267-7000 or  We will be happy to assist you. 

By Jim Carithers

NMLS # 662949

Phone 904-513-6694

Jim has been in the mortgage finance industry for over 40 years and loves working with Seniors wanting to maintain their independence and enjoy this special time in their lives. Please give him a call at (904)-662-2324 if you would like further details or have questions about the application process. 

A security instrument will be taken in your home. Borrowers continue to be responsible for certain ongoing costs such as property taxes, insurance, and general maintenance. This is not an offer to lend. NMLS # 154698    


Stop Senior Hunger

Mar 28
Category | Giving Back


We received a postcard at our office this week titled "1 in 10 SC Seniors Faces Hunger" upon opeing I learned that across our territory, tens of thousands of parents and grandparents face dark times in what should be their golden years. More than 10% of seniors in South Carolina struggle to put food on the table. Without our help-they are forced to make impossible decisions. Do I pay for food or pay for medicine? Can I skip the power bill this month? Which meal do I not eat today?

Make it a point to visit the Senior Hunger Fact Sheet and see how you can plant a seed of hope in your area. Together we can make a difference. #EndHunger #FeedingAmerica


This week we higlight Sarah Taylor, she is a Fulfillment Center Processor, located at our corporate office on Devine Street, in Columbia. Sarah is an asset to our team and we hope you enjoy knowing a little bit more about her.

How long have you worked at HME ? May 5th will be 14 years.

What is the favorite part of your job? Working with my clients, answering their questions and ultimately providing a good experience on every loan for their borrowers.

Tell us 3 things people may not know about you: I was born in England and moved to the U.S. when I was 5. I have 2 dogs, 2 cats and 10 chickens. I love the beach, as well as the mountains and always have mini vacations planned throughout the year.   

What are some favorite LOCAL places to eat in Lugoff? In Lugoff my favorite pace to eat is  San Jose

Favorite LOCAL Product or Business, and why.  The Retreat at Colonel Creek Restaurant

What is your favorite Annual LOCAL Event? Lights of Lugoff Christmas Parade 

Name a must-see LOCAL spot in Columbia.   Riverbanks Zoo & Garden

Where can we find you in the LOCAL Community volunteering or spending time with your family? Our family supports the Chorus and Theatre programs at Lugoff-Elgin High School, as well as Computer Repair course at ATEC. I'm a member of our neighborhood watch committee and support our local church community.

Thank you Sarah-we couldn't do it without you!

Team Homeowners Mortgage

Reverse Mortgage-Not a Deal

Mar 1
Category | Reverse Mortgage

Reverse Mortgage-Not a Deal

Do you ever wonder why loan officers refer to a loan as a “Deal”?  The definition of a “Deal” when used as a noun, is an agreement entered into by two or more parties for their mutual benefit, especially in a business or political context. When it comes to reverse mortgages, this has always disturbed me. A reverse mortgage is in no way a “Deal” but is taking an older homeowners most prized possession and converting its equity into cash. It can sometimes be a very emotional decision that one thinks about for many days even months. As I look back on my 28 years in this business, I have had the privilege of helping many folks remain in their homes. I have seen lives literally transformed and it has been an honor to work with each and everyone of them. This month alone, I have had the privilege of working with 2 seperate homeowners, that because of extreme circumstances found themselves in foreclosure. Because of the reverse mortgage, they now have the security of continuing to live in their homes. Both were in tears at their closings and couldn’t thank the team here at Homeowners enough for all we had done to help them through this process. A Deal?? I don’t think so. It was a privilege and the team here received such a great blessing in knowing we had made it possible for them to continue their lives in their home.

These transactions were difficult at best. Other lenders had turned them down but through our experience, knowledge and teamwork, we found a way to make it work. If you or someone you know, is looking for a team of experts to assist you with a Reverse Mortgage, give us a call and let us see what we can do. We can’t make every loan work, but we will sure give it our best shot.

Contact us at to be directed to a Reverse Mortgage Specialist

     Teresa Maines-SVP Reverse Mortgage Lending     NMLS# 154698                             

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