Wherever you are in your homebuying journey, we can help you.
Why choose South Carolina Federal for your mortgage?
Trusted guidance
Our mortgage professionals help you every step of the way.
Home loan options
Choose a mortgage with a rate and term that fits your budget and lifestyle.
Learn More
Learn More
Local support
We serve Charleston, Columbia, Florence, Georgetown, Greenville, Myrtle Beach and Spartanburg.
Still researching?
We have information that can help you plan ahead and make the right choice for you.
Almost ready?
Getting prequalified finalizes your home budget and lets sellers know you are serious about buying.
Let's do this!
Found your perfect home? Submit your application online and our loan officers will guide you at every step.
Need help getting started? Give us a call.
First-Time Homebuyers Learn More >Monday - Friday: 8:00am - 6:00pm
Explore Loan Options
Fixed-Rate Mortgage
Fixed principal and interest payments over the loan's term, helping you budget accurately each month.
- If you are planning on living in your home for 10 years or more.
Adjustable-Rate Mortgage
With a lower initial interest rate for a specific period of time, you can save money.
- Consider this loan if you plan on being in your home fewer than 10 years.
Jumbo Loans
This loan option may be right for those looking to finance more than $766,550.
- Beneficial for accessing funds that exceed conventional financing limits.
Lot Loans
Our Lot Loan program provides funds for purchasing a vacant residential lot to build your next home.
- Contact us for details (843) 569-5145
Construction Permanent Loans
For homebuyers who are looking to build their next home and already have a lot. This loan helps with the building process and provides permanent financing.
- Our construction permanent loan offers you a 12 month construction draw period.
Mortgage Calculators
Figure out how much you can put away to start saving for a down payment on your home.
Use this calculator to determine the home price and monthly housing cost you can afford.
Calculate how much you could reduce your monthly and total loan payments if you refinance your mortgage.
Our Homebuying Process
Get Prequalified
Before you go house-hunting, find out how much home you can afford.
Learn more
Learn more
Apply Online
We offer a variety of mortgage options and can help you choose one that best fits your finances.
Submit your application online
Submit your application online
Finalize Your Loan
When your loan application is approved, our loan officers will walk you through closing.
Welcome Home
Once you sign your loan at closing, you'll receive the keys to your new home.
Ready to take the first step today?
Get prequalified to show sellers you are serious about buying.(843) 569-5145 Monday - Friday: 8:00am - 6:00pm
Homebuyer Resources
