About Jim Baratka
SC - MLO - 2800511 Jim Baratka has a story that a lot of people along the South Carolina coast will recognize. He grew up in Northern Virginia, discovered Myrtle Beach on family vacations, and eventually made it home. That is the kind of genuine connection to a place that cannot be manufactured, and it is exactly the energy he brings to serving the clients who live and buy there. With ten years of experience as a Branch Owner in Colorado, Jim arrived in South Carolina with a deep foundation and a reputation for doing things the right way. He works across Myrtle Beach, North Myrtle Beach, Conway, Georgetown, Horry County, and throughout the state, handling everything from purchases and refinances to reverse mortgages and builder transactions. His attention to detail is the stuff of legend among the underwriters who have worked with his team, consistently receiving 100% complete files. That level of thoroughness is not just a professional habit, it is a reflection of how seriously he takes every single client. What sets Jim apart is simple but rare. He answers his phone and he communicates constantly with every party involved in the transaction. In an industry where people often feel left in the dark, Jim makes sure nobody ever has to wonder what is happening with their loan. His clients describe him as thorough, friendly, and someone who genuinely works in their best interest from start to finish.
We can make it happen!
Down payment assistance
Overcoming the obstacle of a down payment is possible with grants and programs available from federal and local governments for homeownership.
Low down payment loans
As the initial home investment, we offer VA loans, FHA loans, and USDA loans which have 0-10% down payment requirements.
Veteran loans
Military service members and their families are in the unique position to build equity through real estate at a lower cost than typical homebuyers.
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Jumbo loans
You may consider this type if you plan to purchase a larger property or luxury home in high-end real estate markets.
Accelerated timelines
Our Same-Day program facilitates you to get your loan approved in one day with options as little as 3% down.
Physician loans
Physician homes loan, can be an affordable option for medical professionals. Our program includes paid mortgage insurance and as little as 5% down.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
Mortgage Calculator
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*This is not a commitment to lend. Consumers are advised to obtain a Loan Estimate. Rates are subject to change and are dependent on credit and underwriting criteria.
Your actual rate, payment and costs could be higher. Citywide Home Mortgage, a division of Guaranteed Rate, Inc. cannot predict where rates will be in the future. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Citywide Home Mortgage, a division of Guaranteed Rate, Inc. for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment,or legal advice or instruction. Citywide Home Mortgage, a division of Guaranteed Rate, Inc. does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Citywide Home Mortgage, a division of Guaranteed Rate, Inc.. Citywide Home Mortgage, a division of Guaranteed Rate, Inc. its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard.
Located at 932 B Front Street, Office 5 Georgetown SC, 29440
