SC Home Loans

At SC Home Loans, we are a local, family-owned company dedicated to serving our community with expert mortgage services. With over 22 years of experience, we understand the needs of South Carolina families and are committed to providing a simple and stress-free mortgage process.

Our Mission

Our mission is to help families achieve their homeownership dreams by navigating the complexity of today's mortgages. We believe that the rates and fees offered by banks and other financial institutions can be excessive, and we're committed to finding the lowest rate possible for our clients. We do this by working directly with different lenders to find the best loan program and rate available.

How We Do It

As mortgage brokers, we work directly with various lenders to find the best loan program and rate available. These lenders offer us wholesale rates not available to their retail customers, allowing us to make those savings available to our clients. We do all the comparison shopping so our clients don't have to, then we'll explain their options and let them decide what's best for them and their family.

Loan Programs

We offer a wide range of loan programs to meet the unique needs of our clients. Our loan programs include:

• Conventional Loans with fixed and adjustable rates, available in 10, 15, 20, 25, and 30-year terms
• FHA Loans with a minimum 3.5% down payment
• VA Loans with a minimum 0% down payment
• USDA Loans with a minimum 0% down payment
• 203K Rehabilitation Loans for refinancing and purchase loans

Credit Score Upkeep

Maintaining a good credit score is crucial for securing a mortgage. The minimum credit score to qualify for a mortgage in today's market is now 580. If you feel that your current credit rating may not be high enough, there are many steps you can take to improve your rating within 3-6 months. These steps include:

• Running your credit score and reviewing your credit report
• Checking the credit report for incorrect information
• Making payments on time to prove creditworthiness
• Paying down high-interest credit cards
• Lowering debt obligations

Get In Touch

At SC Home Loans, we're committed to serving our clients with expertise and professionalism. If you have any questions or concerns, please don't hesitate to contact us. We're here to help you navigate the mortgage process and find the best loan program and rate for your unique situation.