Who we are at New South Morterage

New South Mortgage was established in 1998 in Charleston, SC, with a vision of serving homeowners. Our motto is “Transferring Trust.” At New South, earning and retaining a client’s trust is paramount. We treat all information with the utmost sensitivity and use that information to determine the best use for our client’s hard earned money.

You can believe we will exceed your expectations. We center all interactions on our company’s core philosophy of helping people. Our consultants take the time to get to know each client individually, keeping them informed throughout the process.

We currently work in concert with numerous national and local lenders to provide our clients with the premiere products available in today’s market at the best possible rates, combined with New South’s impeccable service.

The New South Mortgage consultants are highly experienced, with well over 40 years of experience in the mortgage business. This degree of experience enables them to find the loan product that best meets your personal needs and to ensure a smooth loan process from the application to the closing table.

What we Do


To provide the best possible rates and service in order to make home ownership an affordable and wise investment for everyone.

  • Integrity – we keep our promises.
  • Excellence – we exceed expectations.
  • Team Work – we work together.
  • Security – we safeguard your personal information

We differentiate ourselves by doing two simple things:

  • We do what we say we are going to do.
  • We believe in kaizen, the concept of continuous improvement. A job well done can always be done a little better.

“New South Mortgage provides a high level of personal attention to my clients and works closely with me in the transaction. they are also very knowledgeable about a range of loan products, especially aggressive and non-traditional packages and are often able to secure a lower rate for my clients simply because of their relationship with lenders.” Josh Watts Sandlapper Real Estate Group


Meet The Team

James “Jamie” Culler, Jr.

Jamie is the founder and owner of New South Mortgage. He oversees all company operations, including processing, marketing, and loan production. Jamie believes in hands-on management and works hard to ensure the company operates to his expectations. “I believe in full responsibility, continuous improvement, individualism and the struggle for excellence in character,” says Jamie.
A 1994 graduate of Vanderbilt University, he has a B.A. in Economics and English. Before founding New South Mortgage in 1998, Jamie served as a loan officer at both Prime Financial Group and Care Mortgage.
Jamie is an Eagle Scout and is active in the community as a Boy Scout leader and youth basketball coach, as well as serving as a volunteer with Habitat for Humanity.
Born in Columbia, SC, Culler lives on Daniel Island with his wife, Jennifer, and their two children, Hannah and Will.

Tim Shirley

Born and raised in Aiken, SC, Tim moved to Charleston in 1996 to attend the College of Charleston. At the College of Charleston, he received a B.S. in Business Administration and a B.A. in Music Composition
During his college career, he worked in retail and performed music locally. “My four years of retail experience has truly made me appreciate customer service,”‘ states Tim.
Tim says: “I feel that excellent customer service is the key to success in the Mortgage Industry. It is a simple concept; treat others the way you would like to be treated. In other words, I will treat your loan as if it were my own.”

Zach Culler

As processor, Zach prepares and submits the files to underwriting and assists mortgage consultants where needed. He oversees all the little details that need to be coordinated to ensure a smooth and timely closing.
Before joining New South Mortgage, he worked in the family business with Clarence Culler and Company and attended Lander University in Greenwood, SC. In his free time he enjoys fishing, gardening, and fanatically rooting for the Gamecocks and the Detroit Tigers!
Born and raised in North, SC, he lived in Mt. Pleasant where he honed his mortgage processing skills. Thanks to technology, he’s been able to move back to his hometown run the processing center from there!