We realize the importance and value of owning a home. Our friendly staff is always ready to assist you. As your community bank, we are local and highly experienced which allows for a smooth and efficient process to prevent unnecessary delays.
We offer a broad array of mortgage loan products designed to fit your needs including purchasing or refinancing a primary, secondary or investment property.
We offer a variety of loan programs with low down payment options to assist low to moderate income or first time home buyers. These programs include FHA, S.C. State Housing, and USDA Rural Housing.
Fixed Rate Loans
Fixed rate loans are available at competitive rates.
Adjustable Rate Mortgage Loans
Adjustable rate mortgage loans can assist home buyers who desire payment flexibility. Products can be fixed for a period of three years or five years before adjustment period begins.
One-time Closing Construction to Permanent Loans
One-time closing construction to permanent loans offers a convenient process to close prior to home construction and allows up to 12 months for completion of improvements. Interest only payments are made during the construction phase based on the amount of the outstanding balance.
Jumbo loans are available under both fixed and adjustable rates for loan amounts which exceed the standard conforming loan limits. Adjustable rate loans can be fixed for a period of three, five, seven or ten years prior to the rate adjustment.
Stop by or call us at 843-839-2265. We’ll be happy to help you through the home buying process.