Mortgage Loans

USDA, FHA and VA Mortgage Loan

We offer several government insured loans that are designed for borrowers who have less down payment money saved and/or need more flexibility. The loans are guaranteed by the federal government and are subject to government and investor guidelines. The government provides mortgage insurance for these loans.

Government Insured Loan Benefits
Flexible credit and income qualification guidelines.
Down payment extremely low or not required.

USDA Or Rural Development Guaranteed Loans

The USDA Rural Development’s Single Family Housing Guaranteed Loan Program helps low to moderate income rural home buyers achieve their dream of homeownership. Call us at 803-367-4100 or visit www.usda.gov.

USDA Mortgage Loan Features
Up to 100% financing – with as little as zero down payment for qualified borrowers.
Affordable interest rates and flexible loan terms.
Fixed rate mortgage options.
Available for stick-built homes within eligible rural areas, and have a household income that does not exceed the established limits where home is located.

FHA Mortgage Loans

An FHA mortgage loan is a US Federal Housing Administration mortgage designed to help borrowers purchase a house with a smaller down payment or equity requirement.

FHA Mortgage Loan Features
Low minimum 3.5% down payment. Refinancing available with rate and terms up to 97.75%.
Affordable interest rates and flexible loan terms.
Fixed rate mortgage options.
Available for stick built homes.

VA Loans

A VA or Veterans Administration mortgage loan offers long-term financing to eligible American veterans by allowing financing with little or no down payment or equity.

Features
Up to 100% financing – with as little as zero down payment for qualified borrowers.
Affordable interest rates and flexible loan terms.
Fixed rate mortgage options.
Available for stick built homes.
Save with no Prime Mortgage Insurance requirements.