One of the most important parts of a real estate transaction is being able to get the financing you need when you need it. Allow me to demonstrate my knowledge and experience to gain your trust as your mortgage provider. I'm part of a lending institution that prides itself in providing high quality financial services to the public. It is my mission to provide the best programs at the most competitive rates and fees available.

I understand that purchasing or refinancing a home is one of the largest investments made throughout our lives. Therefore, I understand the importance in providing a superior service not only in products but also in client communication and consultation. I take pride in being accessible to you around the clock and on the weekends. Upon introductions I like to discuss with you your specific needs as well as your current scenario. This is an informal process where we have an opportunity to get to know one another. From this point, I can better evaluate the scenario and develop a few options to meet your unique needs. From here, we can proceed with the pre-approval process, discuss interest rates and go over a good faith estimate which will illustrate the monthly payments and closing costs. I take pride in providing you with peace of mind, comfort and confidence knowing that one phone call is all it takes to know exactly where we stand.

I am proud to offer added security in uncertain times with a Free Float Down option. If a rate is locked in and rates improve prior to closing I can typically float down to a lower rate free of charge! This provides you with peace of mind knowing that you will receive the best possible rate available.

Not only do I specialize in Kiawah Island and the greater Tri-County area but I'm also proud to offer my services in Virginia and the rest of South Carolina. I specialize in the Jumbo and Conforming mortgage markets and I offer the most competitive rates available, often times with zero points! Whether it's a primary residence, second home or investment property I'm here to assist. Our home loan programs include: purchase, refinance, debt consolidation, home equity loans and second mortgages tailored to your unique situation.

When I'm not in the office I enjoy being a newlywed, spending time with my lovely wife Katie and our little ones. We love Charleston, the lowcountry lifestyle and all it has to offer. In our free time we enjoy traveling to see friends and family from Williamsburg, VA too Clemson and Columbia.

Below are Actual Testimonials from past Customers!

Adam Webb was excellent during the whole process of refinancing our home. Extremely prompt, courteous, handled all details professionally. We would highly recommend Adam to anyone seeking a home mortgage. ~ Patty & William H. Walterboro, SC

Our experience with First Charleston Mortgage was excellent from start to finish. Any questions were quickly answered by Adam our mortgage broker. The entire process went smoothly and Adam always kept us informed of the state of our loan. Adam was a true professional! We would definitely use First Charleston Mortgage again and recommend Adam to friends and family. ~ Lisa & Ken K. Boiling Springs, SC

Working with First Charleston was the best loan company I have worked with. The rate quoted was the lowest I could find, my consultant was always able to be reached even on weekends, and the closing was smooth and completed early. I would recommend this company to anyone. ~ Kelly W. Landrum, SC

It was an easy transaction and Adam performed above expectations. Interest Rate and Lender Fees as quoted and competitive?: Yes, Closed on Time and as Scheduled?: Yes. ~ Paul K. Charleston, SC

It was very smooth and there were no surprises. Adam was very responsive and always explained anything we had questions about. I will definitely recommend Adam to anyone who is looking to refinance or purchase a home. ~ Kari M. Summerville, SC

Adam was very responsive and patient with me throughout the entire process of my short sale closing. The closing in all honesty would not have happened without his quick reactions. Adam possesses very good communication skills! ~ Kristin B. Charleston, SC

Great experience! Adam was on top of everything and responding to our questions in a timely fashion. You couldn't ask for anything more. Interest Rate and Lender Fees as quoted and competitive?: even better than quoted, Closed on Time and as Scheduled?: closed ahead of time. ~ Jesse S. Greenville, SC

Adam was incredibly professional and responsive. Every time he called, he saved us money! He was actively working on our behalf to get us a competitive rate and to get our fees as low as possible. Our actual closing costs came down almost 30% from the initial estimate. His communications and requests were clear and helpful. ~ Julia M. Charleston, SC

Adam was great. he handled everthing perfectly. I didnt have to worry about a thing. I just showed up and it was done. Thanks. Interest Rate and Lender Fees as quoted and competitive?: Yes, Closed on Time and as Scheduled?: Yes. ~ Christopher S. Charleston, SC

Easiest refi I ever had. The process was extremely smooth and stress-free. Interest Rate and Lender Fees as quoted and competitive?: Yes, Closed on Time and as Scheduled?: Yes ~ Ken G.

A nice, professional job by your Organization. Interest Rate and Lender Fees as quoted and competitive?: Yes, Closed on Time and as Scheduled?: Yes ~ Earl T.

This was a great experience. Adam was very prompt, information was accurate, and was very patient in answering all my questions. Interest Rate and Lender Fees as quoted and competitive?: Yes, Closed on Time and as Scheduled?: Yes ~ MaryAnn D.

Adam Webb was always responsive to my questions. He did what he said he would do and he did it in a timely manner. I'm very pleased with the great customer service Adam provided throughout the process. Interest Rate and Lender Fees as quoted and competitive?: Yes, Closed on Time and as Scheduled?: Yes ~Martha A.

Adam is a capable and knowledgable professional. He was attentive to all aspects of my refinance. He investigated and helped me analyze my options. He walked me through details and facilitated responses to lender inquires. I surely recommend Adam and First Charleston! Interest Rate and Lender Fees as quoted and competitive?: Yes, Closed on Time and as Scheduled?: Yes ~ Adonice H.

Adam did a great job with our re-fi. There were minimal hiccups, and even those were handled in a professional, reassuring manner. Our closing attorney was also impressed by the limited number of fees and costs. My husband and I have and will continue to recommend Adam and First Charleston in the future. Interest Rate and Lender Fees as quoted and competitive?: Yes, Closed on Time and as Scheduled?: Yes ~ Kristin W.

Adam did a good job with complicated paperwork. I recommend him! Interest Rate and Lender Fees as quoted and competitive?: yes--very competitive; lowered fees to meet competition. Closed on Time and as Scheduled? A week or so later due to paperwork complications. Did we provide you with a smooth Transaction? Absolutely! ~ Name withheld at Borrowers request.

From the first call to the closing I received excellent service from Adam. The process was very smooth and painless. I appreciate the great service and would recommend your company to anyone wanting to get a new loan. Interest Rate and Lender Fees as quoted and competitive?: Yes, Closed on Time and as Scheduled?: Yes ~ Earl R.

Adam Webb was a God-send to me in my quest to re-finance my home. I was searching for a re-finance rate in the 4 percentile and had been working with three competitors for about 6 months. From my first conversation with Adam he 'heard' what I was saying and provided what I was looking for. Adam spent time with me - helping me to understand my finance options. When warrented, Adam sacrificed his time(via phone) into the evening hours in order to enable me to make a sound financial decision. Always calm; always helpful - Adam patiently explained any area where I had questions in the refinance process. Up to the day of closing, Adam was there for me - a phone call away. After closing, Adam called to make sure things went well for me. Although I've never met Adam, I have a great respect for his values; his commitment to his customer and his obvious dedication to making this a better world for people during these uncertain financial times. You have a 'gem' of an employee with Adam. I would recommend your company to anyone who asks for a reference because of Adam's excellent customer service. He represents First Charleston with pride and compassion for those you represent. Interest Rate and Lender Fees as quoted and competitive?: Yes, Closed on Time and as Scheduled?: Yes ~ Christy M.

Great Experience. Interest Rate and Lender Fees as quoted and competitive?: Yes, Closed on Time and as Scheduled?: Yes ~ Manish P.

Adam did an excellent job keeping me informed despite repeated requests by the lender, some of which seemed completely unneccessary. He was always available and more than willing to here my complaints (not directed at him, but at the lender). I would certainly be more than willing to recommend him to a friend. Interest Rate and Lender Fees as quoted and competitive?: Yes, Closed on Time and as Scheduled?: Yes, after a couple of delays ~ Brent T.

Adam was very professional,everything he quoted me was the way it turned out. If I had to do it over again First Charleston would be where I would go. Thanks again, Adam and First Charleston. Interest Rate and Lender Fees as quoted and competitive?: Yes, Closed on Time and as Scheduled?: Yes ~ Calvin W.

We tried to refinance with our current mortgage company and it was not only frustrating and confusing, but they were not accessible to me. Adam from the beginning of the process was friendly, upbeat and helpful. Throughout the process he kept me informed and was always accessible. We closed before our scheduled time and it was the most professional, smooth transaction I have yet to complete. Thank you Adam and First Charleston Mortgage for your professionalism. Today good customer service is hard to find. Great customer service is nonexistant. Thank you Adam. Interest Rate and Lender Fees as quoted and competitive?: Yes, Closed on Time and as Scheduled?: Yes ~ Kathleen C.

I seldom feel that I can trust people when conducting the business of life. Adam has been great to work with, professional and responsive. He is one of only two business contacts that I carry with me for future use and have recommended him to a few of my friends. Interest Rate and Lender Fees as quoted and competitive?: Yes, Closed on Time and as Scheduled?: Yes ~ Beth F.

This was our third refinance, and went at least as smoothly as the others which were applied for "in person". Adam was very helpful and answered all of our questions promptly and accurately. I wouldn't hesitate to use First Charleston in a future transaction. Interest Rate and Lender Fees as quoted and competitive?: Yes, Closed on Time and as Scheduled?: Yes ~ Warren M.

Dear Adam, it looks like we have reached the final point of this great financial operation that we've dreamed about since the purchase of the house. Thanks to you, every step of it was a pleasant experience, secured by your professionalism. We felt safe and confident, which is a rear feeling in the financial world nowadays. We are impressed with your service and we really appreciate it. Please be assured that we will gladly recommend you to any of our friends that could be interested in your service. And I am sure they will be glad we referred them to you, just as we are glad that (our friends) told us about your outstanding service. Thank you from the deep of our hearts, ~ Elena K. and Serguei A. P.

Adam, When we first thought of refinancing the mortgage on our Williamsburg home, we thought of you. Since you are in South Carolina we did not know if this would be possible. However, we are delighted that you accomplished this mission most successfully. Our attorney also praised your complete mortgage documents. In the present banking situation the extraordinary amount of documention needed to fulfil the lenders requirements must have added greatly to your hours of work. You were always so helpful to us, being available by e-mail, fax and phone to answer our questions and lead us through the maize of necessary paperwork. We are most grateful and would not hesitate to recommend Mr. Adam Webb of First Charleston Mortgage. You truly exemplify your motto "Let it be a positive and productive day!" With our thanks and kindest regards,~ Joan and Murray B.

Adam is extremely helpful, honest agent who keeps my best interest at the top priority. He is always available for help or clarification of my questions. His response time is below 15 minutes for any given email. Interest Rate and Lender Fees as quoted and competitive?: Yes, Closed on Time and as Scheduled?: Yes ~ Eugeniy M.

Adam is thorough and professional in his communications and work. ~ Harold A.

Adam and First Charleston where great to work with! Their rate was unbeatable compared to other lenders and throughout the entire process Adam always kept us informed of our loan status. Interest Rate and Lender Fees as quoted and competitive?: Yes, Closed on Time and as Scheduled?: Yes ~ Jeffrey D.

Very simple and smooth. It took a long time to get approved and a close date, but that was not in Adam's control. Interest Rate and Lender Fees as quoted and competitive?: Yes, Closed on Time and as Scheduled?: Yes ~ Tracey P.

We are grateful for an outstanding job that Adam with First Chraleston has done helping our family refinance from two into a single loan. We appreciate Adam's efforts in providing excellent service, accurate information and quotes, and very competitive rates and fees! His attention to details and timely follow up on all of our questions helped us go smoothly through the entire process. Interest Rate and Lender Fees as quoted and competitive?: Yes, Closed on Time and as Scheduled?: Yes ~ Dariya M.

Adam was great to deal with and always reachable by phone or email. Everything was as advertised - no surprises. Easiest closing I ever had. Interest Rate and Lender Fees as quoted and competitive?: Yes, Closed on Time and as Scheduled?: Yes ~ Ken G.

For the excellent service, accurate information and quotes, and the competitive rates and fees, I would definitely recommend First Charleston. Interest Rate and Lender Fees as quoted and competitive?: Yes, Closed on Time and as Scheduled?: Yes ~Mihai U.

Good experience. Interest Rate and Lender Fees as quoted and competitive?: Yes, Closed on Time and as Scheduled?: Yes, just in time ~ Lihe W.

Outstanding rate (and APR... that is the important one), and follow through. Adam and Charleston Mortgage did a great job! I will recommend you to everyone. Interest Rate and Lender Fees as quoted and competitive?: yes, it was the best. Closed on Time and as Scheduled?: Yes ~ Brian and Meghean R.

We are thankful for a smooth transaction and attentive service and good follow up on all of our questions and concerns. Interest Rate and Lender Fees as quoted and competitive?: Yes, Closed on Time and as Scheduled?: Yes ~ Emily Z.

I used Zillow.com to look for competitive rates and lender fees. I also wanted someone with good feedback. Adam Webb immediately stood out as someone that had all the items I was looking for. Adam lived up to his reputation: he was responsive, professional, knowledge and accesible (and I asked a lot of questions). I would do yourself a favor and use First Charleston and Adam Webb. Interest Rate and Lender Fees as quoted and competitive?: Yes, Very competitive. Closed on Time and as Scheduled?: Yes ~ Alexander R.

Adam has been great to work with again on our refi! I will keep First Charleston and Adam in mind for any future financing needs. Interest Rate and Lender Fees as quoted and competitive?: Yes, Closed on Time and as Scheduled?: Yes ~ Jeffrey D.