Find the Right Loan. Close With Confidence.
Buying your first home, refinancing, building from the ground up, or adding to a rental portfolio, we have a program for it, and we'll tell you honestly which one fits your situation.
The right front door, without the guesswork.
The most common path, with low down payment options for qualified buyers and mortgage insurance that can come off as you build equity.
Learn MoreFLEXIBLE CREDITGovernment-backed financing with a lower down payment and more flexible credit guidelines.
Learn MoreVETERANSFor eligible veterans, service members, and surviving spouses, with no private mortgage insurance.
Learn MoreELIGIBLE AREASFor eligible homes in USDA-designated areas, including many suburbs outside the major metros.
Learn MoreMOVING HEREOptions to close before your new job starts, close remotely, and let us handle the local coordination.
Learn MoreBRIDGEUse the equity in your current home to buy the next one with a cleaner, non-contingent offer.
Learn MoreBuilt for the property you actually want.
Loan amounts above conforming limits, with down payment options as low as 10% on select programs at lower jumbo loan amounts.
Learn MoreLUXURYFor high-value properties, with loan amounts up to $20 million on qualifying programs.
Learn MoreSECOND HOMEJumbo financing for the coastal place, the mountain place, or the second home you keep talking about.
Learn MoreCROSS-COLLATERALPledge equity in a property you already own as additional collateral, so you can buy the next home before your current one sells.
Learn MoreYour income, understood.
Qualify using bank statements or 1099 income instead of tax returns: built for business owners and contractors.
Learn MoreUSE YOUR ASSETSQualify based on liquid assets and investments rather than traditional income.
Learn MoreSTANDOUT PROGRAMNo income or employment documentation and no debt-to-income calculation, on qualifying programs.
Learn MoreEQUITY-DRIVENNo minimum credit score, with a maximum 55% loan-to-value: qualification is driven by your equity.
Learn MoreFRESH STARTOptions after a bankruptcy, foreclosure, or short sale on select programs, sometimes sooner than traditional waiting periods allow.
Learn MoreNON-US BUYERSFinancing options for international buyers purchasing in South Carolina.
Learn MoreMake the home you have work harder.
Refinance into a lower rate or a different term to free up room in your monthly budget.
Learn MoreUSE EQUITYTurn home equity into cash for renovations, tuition, or paying off higher-interest debt.
Learn MorePAY OFF SOONERMove from a 30-year to a 20- or 15-year loan and cut the total interest you pay.
Learn MoreKEEP YOUR RATEA second-lien line of credit you draw from as needed, leaving your first mortgage in place.
Learn MoreFIXED RATEA fixed-rate lump sum against your equity, with a payment that stays the same.
Learn MoreRENTALSHELOCs and second mortgages on qualifying rental properties: financing that can be difficult to find.
Learn MoreOwn the land. Build the vision.
Fund your build from lot to final walkthrough, with one-time and two-time close options.
Learn MoreONE LOANFinance the purchase and the improvements together: perfect for that historic fixer-upper.
Learn MoreOWN THE GROUNDBuy a buildable lot or raw land now, and build when you're ready.
Learn MoreACREAGERural tracts, hobby farms, and homes on acreage across South Carolina.
Learn MoreBuild a portfolio, one property at a time.
Qualify on the property's rental income instead of your personal income. Short-term rentals considered on select programs.
Learn MoreNO MINIMUM DSCRSelect programs don't require the rent to meet a minimum DSCR: eligibility leans on equity, credit, and reserves.
Learn MoreREHABPurchase and renovation financed together, with the renovation budget released in draws.
Learn MoreSHORT-TERMShort-term financing when speed matters more than the rate: acquisitions, refinances, and repositioning.
Learn MoreBUILDConstruction financing for investors and builders, with DSCR takeout options once the property is complete.
Learn MoreMULTI-PROPERTYFinance multiple stabilized rentals together when they share the same long-term strategy.
Learn MoreLIVE AND LEASEFor properties that combine residential and commercial space under one roof.
Learn MoreBUSINESSTalk with us about financing for commercial real estate.
Learn MoreCommercial or Out-of-State Investment Financing?
For commercial financing, select larger multifamily or portfolio structures, and investment financing outside South Carolina, our sister company Lowcountry Lending Group serves clients nationwide.
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