Business Details
32 Years
experience
Trusted Mortgage Brokers in South Carolina
SC Home Loans is a family-owned mortgage brokerage dedicated to serving South Carolina families with over 29 years of industry expertise. We specialize in simplifying the mortgage process by eliminating unnecessary fees and securing the lowest available rates through partnerships with multiple lenders. Our team leverages wholesale lending relationships to access exclusive loan programs and rates unavailable to retail customers, ensuring clients receive tailored solutions for home purchases, refinancing, or upgrades.We prioritize transparency, guiding clients through every step while emphasizing credit score optimization and financial education. Our commitment to community-driven service is rooted in understanding local housing needs and providing personalized support for first-time buyers, growing families, and veterans.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
203K Rehabilitation Loans
Details
- Year established: 1994
Highlights and features
- We offer 29 years of mortgage industry expertise tailored to South Carolina families
- We access exclusive wholesale loan rates unavailable to retail customers
- Our fee-transparent process eliminates hidden mortgage costs
- We provide personalized credit score improvement guidance
- We specialize in veteran-specific VA loan programs
Services
Conventional Loans
Conventional loans are non-government-insured mortgages offering fixed terms and rates. These loans require minimum 3% down payments with flexible term options from 10 to 30 years. Ideal for borrowers with strong credit profiles seeking predictable monthly payments without additional insurance requirements.
FHA Loans
FHA loans provide government-insured financing with 3.5% minimum down payments. Designed for first-time buyers and those with lower credit scores, these loans include mortgage insurance premiums but offer more lenient qualification standards. Available for primary residence purchases or renovations through 203K programs.
VA Loans
VA loans offer zero-down payment options for eligible veterans and service members. Backed by the Department of Veterans Affairs, these loans feature competitive rates and no mortgage insurance requirements. Includes specialized programs for disabled veterans seeking home modifications or adaptations.
USDA Loans
USDA loans provide 100% financing for qualifying rural and suburban properties. These government-backed loans require no down payment with specific income and location eligibility requirements. Ideal for first-time homebuyers in designated USDA service areas seeking affordable homeownership opportunities.
203K Rehabilitation Loans
203K rehabilitation loans combine purchase or refinance funds with repair costs in a single mortgage. Available through FHA programs, these loans allow borrowers to finance home improvements for older properties or foreclosed homes. Requires minimum 3.5% down payment with detailed renovation plans included in the loan process.
Questions
What credit score do I need for a mortgage?
Minimum 580 middle credit score required. We provide free credit report analysis and improvement strategies for scores below this threshold.
Can I remove PMI from my loan?
Yes, PMI can be removed through refinancing or when reaching 20% equity in conventional loans. We help evaluate optimal timing for this process.
Do you offer zero-down payment options?
Yes, VA and USDA loans provide zero-down payment programs for eligible applicants. FHA loans require minimum 3.5% down payments.
How do you find the best mortgage rates?
We compare wholesale rates from multiple lenders to secure the lowest available options, leveraging our industry relationships for exclusive pricing unavailable to retail customers.
Can I refinance with bad credit?
We offer credit improvement guidance and specialized loan programs for borrowers with lower credit scores, focusing on FHA streamline or VA IRRRL options when applicable.
What documents are needed to qualify?
Two pay stubs, two years of tax returns (if self-employed), two months of bank statements, and valid ID. We provide detailed preparation checklists for all loan types.
