Sarah Ellis · Producing Branch Manager

Your home journey,
guided by people who care

Personalized mortgage guidance backed by institutional-grade technology. Every detail handled. Every option explored. Every step focused on an on-time closing.

NMLS #68849122+ Years ExperienceLicensed in 3 States
386
Recent Loans Closed
22+
Years Experience
4.69★
Average Rating (611 reviews)
Sarah Ellis — Producing Branch Manager
Sarah Ellis
Producing Branch Manager · NMLS #688491
Meet Your Loan Officer

The mortgage process should feel like a milestone, not a headache.

My work is rooted in faith and a sincere desire to honor God in all that I do. I strive to serve each client with integrity, excellence, and genuine care, viewing every interaction as an opportunity to serve others as Christ would have me to. “Whatever you do, work at it with all your heart, as working for the Lord.” Colossians 3:23 Serving this real estate community for the past 22 years has been one of the greatest blessings of my career. This market is more than just where I work – it’s home. From first-time home buyers to growing families, investors, and those purchasing vacation properties along our beautiful coast, I’ve had the honor of helping thousands of families step into homeownership and build long-term financial security. I’m deeply grateful for the incredible agents, partners, and families who make this community so special, and I remain committed to serving it with the same passion, care, and dedication for years to come.

Backed by American Financial Network's nationwide lending platform and the most advanced mortgage technology in the industry, I bring institutional resources to a personal relationship.

“My clients don't just get a loan officer. They get a team, a technology platform, and an advocate.”
NMLS #688491
Licensed 3 States
AFN NMLS #237341
A Better Way

Traditional process vs. working with us

Traditional Process
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Phone tag & voicemail
Wait hours or days for a callback from your loan officer
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Manual paperwork
Print, sign, scan, and email stacks of documents
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Weekly updates (maybe)
Left wondering where your file stands in the pipeline
✕
45+ day closings
Delays, missing docs, and last-minute surprises
With Sarah + Sophia
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Instant answers, 24/7
Sophia responds in seconds — Sarah follows up personally
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Automated document collection
Upload from your phone, AI organizes everything
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Real-time status tracking
Know exactly where your loan stands at every moment
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Faster, predictable closings
Streamlined process means fewer delays and no surprises
Loan Programs

Every option. Your best fit.

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Conventional
Traditional financing with competitive rates. As little as 3% down for qualified buyers. Conforming and jumbo options available.
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FHA
Government-backed loans with flexible credit requirements. 3.5% down payment. Ideal for first-time homebuyers building their foundation.
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VA
Zero down payment for eligible veterans and active military. No monthly mortgage insurance. The benefit you've earned.
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Jumbo
High-balance loans for premium properties. Competitive rates on loan amounts above conforming limits. Tailored structuring.
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Renovation
Finance the purchase and renovation in a single loan. FHA 203(k) and conventional options. Turn potential into your perfect home.
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Non-QM
Bank statement, DSCR, and asset-based programs for self-employed borrowers and investors. Creative solutions for complex scenarios.
Available 24/7

Meet Sophia,
your AI-powered mortgage assistant

Get instant answers, explore loan options, estimate payments, and start your application — any time, day or night. Sophia is backed by Sarah's expertise and AFN's full lending platform. When you're ready, Sarah steps in personally.

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Estimate monthly payments based on your actual scenario
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Explore loan programs matched to your situation
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Start your application without waiting for a callback
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Check local market conditions and neighborhood data
S
Sophia
Backed by Sarah · NMLS #688491
Hi, I'm Sophia — Sarah's AI-powered mortgage assistant. I can help you explore options, estimate payments, or start your application. What's on your mind?
What can I afford on $120K income?
Based on a $120K annual income, you could qualify for roughly $480K–$540K depending on your debts, down payment, and rate. Want me to run a detailed scenario?
Client Experiences

Trusted by families nationwide

★ ★ ★ ★ ★
The team did a great job communicating and following up, especially when I missed important emails
John H.
Galivants Ferry, SC
★ ★ ★ ★ ★
Although I was required to provide numerous documents, Courtney and Sarah were exceptionally efficient, organized, and responsive throughout the process. Their professionalism and attention to detail helped ensure a smooth and expedited closing on my purchase.
Marcella Gattucci L.
Little River, SC
★ ★ ★ ★ ★
Could not have asked for anyone better than sarah. she was so great!
Jeremy Ward A.
Murrells Inlet, SC
★ ★ ★ ★ ★
Great service!
Laura J S.
Myrtle Beach, SC
★ ★ ★ ★ ★
We hadn't bought a house in quite some time much less across the country. Sarah's team was very informative and explained every step. They were even respectful of the 3 hour time difference for communicationa.
Jacob S.
Myrtle Beach, SC
Tools

Payment Calculator

$3,174/mo
P & I$2,528
Prop Tax$500
Ins$146
Afford
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No MI
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30 years

This is not a commitment to lend. Not all borrowers will qualify. Loan approval is subject to credit, underwriting, and program guidelines. Terms and conditions apply. Rates and program availability are subject to change without notice.

Real Estate Partners

Are you a real estate agent?

I provide your clients with a premium lending experience, on-time closings, and 24/7 access to Juliet for instant updates. Let's build a partnership that elevates your business.

Partner With Me
Get in Touch

Ready to get started?

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Sarah typically responds within 24 hours. No bots, just expert advice.