THE FHA IN SOUTH CAROLINA

FHA loans have been helping South Carolina residents since 1934 

 

A licensed South Carolina FHA Lender can offer you a better loan including:

Low down payments (if any)

24 Hour Pre-Approval

Low closing costs

Easier credit qualifying

48 hour Streamline Refinancing


 


South Carolina First Time Home Buyer Loan

This FHA loan program was created to help increase homeownership. The FHA program makes buying a home easier and less expensive than any other types of real estate mortgage home loan programs.

Buy a home in South Carolina with  help from a Family Member

When buying a home, almost every lender will want to know where your down payment came from. If someone in your family is helping you with that down payment, it is called a Gift of Equity, a special FHA loan program.

South Carolina FHA Refinance to a Lower Rate

Lowering your monthly mortgage payment is easier than ever as mortgage interest rates continue to set new record lows almost every week for more than two month.  

South Carolina FHA Debt Consolidation

An FHA Debt Consolidation Loan can change your life, and we can connect you to an FHA Home Lending expert to talk over your financial situation so you’re not left to figure out everything completely on your own.  

 

South Carolina FHA Home Loan

How it works:

 

√    Determine the type of FHA Government Loan that best fits your needs.

 

√       Complete an easy 2 minute application form.

 

√    We will forward your application to one and only one  FHA Approved Lender who can best help you based upon:

 

  • The type of loan you requested

  • Your down-payment (if purchase loan)

  • The location (State) your property is located

  • Your credit history

  • The best rate available for your loan

 

√    An FHA Loan Specialist will respond within 1 business day. They will explain what type of loan you are approved for, and the options available to you. 

 

√    Immediately that same day, the FHA Lender will overnight your pre-approval letter to you.

 

√    Review with no obligations your FHA Loan Pre-approval and locked rate. 

 

Note- It is very important that you keep this letter. It is your official pre-approval on bank letterhead with your 'locked rate', and if purchasing a house, it is equally important that you present this letter to the real estate agent to confirm your pre-qualification status.              

South Carolina FHA Lending Limits 2017

FHA Home Loans South Carolina

FHA loans have been helping South Carolina residents since 1934 

A licensed South Carolina FHA Lender can offer you a better loan including:

  • Low down payments (if any)

  • Low closing costs

  • Easy credit qualifying

  • 48 hour Streamline Refinancing

How it works:

√   Determine the best type of FHA loan that best fits your needs

√   Complete an easy 2 minute form

√   An FHA Loan Specialist will respond within 1 business day.

√   Review with no obligations your loan approval and locked rate. 

           

             Free Online Application

  • As of January 1, 2016, Borrowers can finance 96.5% of the purchase price and put down only 3.5 percent. In some instances, when combined with other types of loans, the down payment can be zero.

  • Allowable refinance up to 115% of your homes value.

  • Let us help roll your closing costs into your loan total.

 

South Carolina FHA Lending Limits 2017

South Carolina Median Home Sale Price Price $175,000

 

County NameSingleDuplex3 Unit4 Unit
ABBEVILLE$275,665$352,950$426,625$530,150
   GREENWOOD, SC
AIKEN$275,665$352,950$426,625$530,150
   AUGUSTA-RICHMOND , GA-SC
ALLENDALE$275,665$352,950$426,625$530,150
   NON-METRO
ANDERSON$275,665$352,950$426,625 $530,150
   GREENVILLE-ANDERSON-MAULDIN, SC
BAMBERG$275,665$352,950$426,625$530,150
BARNWELL$275,665$352,950$426,625$530,150
BEAUFORT$350,750$449,000$542,750$674,500
   HILTON HEAD ISLAND-BLUFFTON-BEAUFORT, S
BERKELEY$357,650$457,850$553,450$687,800
   CHARLESTON-NORTH CHARLESTON, SC
CALHOUN$275,665$352,950$426,625$530,150
   COLUMBIA, SC
CHARLESTON$357,650$457,850$553,450$687,800
   CHARLESTON-NORTH CHARLESTON, SC
CHEROKEE$275,665$352,950$426,625 $530,150
   GAFFNEY, SC
CHESTER$280,600$359,200 $434,200$539,600
   CHARLOTTE-CONCORD-GASTONIA, NC-SC
CHESTERFIELD$275,665$352,950$426,625$530,150
CLARENDON$275,665$352,950$426,625$530,150
COLLETON$275,665$352,950$426,625$530,150
DARLINGTON$275,665$352,950$426,625$530,150
   FLORENCE, SC
DILLON$275,665$352,950$426,625$530,150
DORCHESTER$357,650$457,850$553,450$687,800
   CHARLESTON-NORTH CHARLESTON, SC
EDGEFIELD$275,665$352,950$426,625$530,150
   AUGUSTA-RICHMOND , GA-SC
FAIRFIELD$275,665$352,950$426,625$530,150
   COLUMBIA, SC
FLORENCE$275,665$352,950$426,625$530,150
   FLORENCE, SC
GEORGETOWN$327,750$419,550$507,150$630,300
   GEORGETOWN, SC
GREENVILLE$275,665$352,950$426,625$530,150
   GREENVILLE-ANDERSON-MAULDIN, SC
GREENWOOD$275,665$352,950$426,625$530,150
   GREENWOOD, SC
HAMPTON$275,665$352,950$426,625$530,150
   NON-METRO
HORRY$275,665$352,950$426,625$530,150
   MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH,
JASPER$350,750$449,000$542,750$674,500
   HILTON HEAD ISLAND-BLUFFTON-BEAUFORT, S
KERSHAW$275,665$352,950$426,625$530,150
   COLUMBIA, SC
LANCASTER$280,600$359,200$434,200$539,600
   CHARLOTTE-CONCORD-GASTONIA, NC-SC
LAURENS$275,665$352,950$426,625$530,150
   GREENVILLE-ANDERSON-MAULDIN, SC
LEE$275,665$352,950$426,625$530,150
LEXINGTON$275,665$352,950$426,625$530,150
   COLUMBIA, SC
MARION$275,665$352,950$426,625$530,150
MARLBORO$275,665$352,950$426,625 $530,150
   BENNETTSVILLE, SC
MCCORMICK$275,665$352,950 $426,625$530,150
NEWBERRY$275,665 $352,950$426,625$530,150
   NEWBERRY, SC
OCONEE $275,665$352,950$426,625$530,150
   SENECA, SC
ORANGEBURG$275,665$352,950$426,625$530,150
   ORANGEBURG, SC
PICKENS$275,665$352,950$426,625$530,150
   GREENVILLE-ANDERSON-MAULDIN, SC
RICHLAND$275,665$352,950$426,625$530,150
   COLUMBIA, SC
SALUDA$275,665$352,950$426,625$530,150
   COLUMBIA, SC
SPARTANBURG$275,665$352,950$426,625$530,150
   SPARTANBURG, SC
SUMTER$275,665$352,950$426,625$530,150
   SUMTER, SC
UNION$275,665$352,950$426,625$530,150
   SPARTANBURG, SC
WILLIAMSBURG$275,665$352,950$426,625$530,150
YORK$280,600$359,200$434,200$539,600
   CHARLOTTE-CONCORD-GASTONIA, NC-SC