Mortgage Loans

Mortgage Loans

Choosing the right home and the right mortgage means doing your homework. While we can’t pick the right house, we can help you choose from a variety of home loan options.

Questions? Call (803) 367-4100, ext. 3014

Independence Mortgage

  • Save time and money upfront, and you can be mortgage-free by retirement. Refinance quickly to a low fixed 7, 10 or 15-year with no closing costs up to $600. Minimum $15,000 refinance. Mobile homes excluded.2

Refinance to an Independence Mortgage:

  1. Apply for a HELOC in digital banking
  2. Select “Fixed Home Equity” and complete application
  3. We’ll be in touch with you quickly!

Construction Loan1

  • 95% financing on stick-built homes built on-site
  • No land seasoning requirements for previous land ownership
  • All-in-one construction loan

Down Payment Assistance

  • Up to $5,000 may be available for qualifying buyers. Income restrictions may apply.


“I didn’t think it was ever going to be possible to own our own home. The Mortgage Team at Family Trust was a true blessing, and did everything they could for us. It was like working with family.”


“We were prequalified really quickly and it helped know what price range we could look at – We didn’t want to go crazy. It helped us be able to make a decision on the house we wanted quickly.”

Amanda and James
First-Time Homebuyers

“It’s been a dream to have a home on the lake. I wanted to make sure I worked with someone who could make it easy for me to get in. Family Trust was amazing – the process has been so smooth.”


1 You must meet certain qualifications for these products & this offer. Terms of repayment example: 30-year term fixed rate at 6.50% APR = 360 monthly payments of $6.33 per $1,000 borrowed. Rates & terms subject to change without notice. All loan applications are subject to credit & property approval. Additional fees & closing costs may apply. If adjustable rate mortgage is chosen after construction phase, rates are subject to increase after the initial fixed-rate period. Limited time offer. Must meet certain qualifications for these products. All loan applications are subject to credit & property approval. Home buyers get up to a $50 credit towards their credit report fees.

2 Only loans over $15,000 accepted. You must meet certain qualifications for this product. All loan applications are subject to credit and property approval. Rates and terms are dependent upon your creditworthiness and collateral and are subject to credit approval and may change at any time without notice. Property insurance is required and flood insurance is required where applicable. A $600 credit applies to all fees and closing costs, such as attorney fees, insurance, or appraisal fees. Must pay off any existing first mortgage. Family Trust will not subordinate. No closing costs with a Family Trust approved attorney. No appraisal fees. Family Trust will only pay closing costs every five years if you choose to refinance your current Independent Mortgage. Minimum 700 credit score. Max loan amount $150,000. Max Loan to Value $70%.