Capital Home Mortgage South Carolina

South Carolina Home Loans

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South Carolina Mortgage Lender

Home Loans in South Carolina

Welcome to Capital Home Mortgage South Carolina, where we strive to provide South Carolina Home Loans to South Carolina homebuyers and homeowners at competitive rates and fees while providing outstanding customer service.  First, we’d like to thank you for the opportunity to earn your business.  We understand that purchasing a home is the most important decision of most people’s life, which is why Capital Home Mortgage South Carolina offers dedicated points of contact throughout the mortgage process.  This assures a stress-free and pleasant experience, with an on-time close.  After all, buying a home should be exciting rather than stressful.

Capital Home Mortgage South Carolina, as a direct South Carolina Mortgage Lender, manages the entire lending process from beginning to end.  Our in-house processing and underwriting enables for quick, reasonable approvals and timely closings.  We have complete control over everything from the application to the funding process.

Capital Home Mortgage South Carolina is a full-service South Carolina Mortgage Lender that offers a wide range of mortgage products as well as competitive South Carolina Mortgage Rates.  Whether you are a first-time purchaser seeking a South Carolina FHA Home Loan, looking for a rural property and needing a South Carolina USDA Home Loan, a Native South Carolinian wanting to use the HUD 184  South Carolina Native American Home Loan, an active or retired veteran in need of a South Carolina VA Home Loan, or a seasoned buyer in need of a South Carolina Conventional Home Loan, we are here to assist.

Call today (803) 769-7772 to talk to one of our South-Carolina Loan Officers.

South Carolina, is often referred to as the “Palmetto State.” South Carolina is located in the southeastern region of the United States.  It is bordered by North Carolina to the north, Georgia to the southwest, and the Atlantic Ocean to the southeast. The capital is Columbia and other major cities include Charleston, Greenville, Spartanburg, and Myrtle Beach.

The economy of South Carolina is varied, with major contributions from the manufacturing, agricultural, tourism, and service sectors.  The manufacturing sector in the state is well-known, with a focus on textile, automotive, and aerospace production.

The University of South Carolina, Clemson University, and the College of Charleston are just a few of the state’s many universities.

South Carolina, one of the original thirteen colonies, was significant to American history.  It was a major player in the plantation era Southern economy, largely reliant on agriculture and slavery.

The state is a well-liked travel destination because of its stunning beaches, historic landmarks, and kind Southern people.  Visitors from all over the world come to Charleston because of its rich history and well-preserved architecture.  There is a wide variety of natural attractions in South Carolina, such as the northwest’s Blue Ridge Mountains and the state’s coastal regions with its beaches, marshes, and barrier islands.

There is an increasing demand for both residential and commercial properties in South Carolina’s real estate market.  Particularly robust growth and demand have been observed in cities like Greenville and Charleston.

States have different pricing for homes. Housing expenses are typically higher in major cities and coastal areas.  In general, median home prices have been rising, which in certain areas indicates a seller’s market.

The state has seen a growth in the number of residents moving here from other regions of the nation, which has raised housing demand.  Retirees and those looking for a coastal lifestyle are drawn to coastal towns like Myrtle Beach and Hilton Head.

Particularly in tourist-heavy locations, the rental sector has been active, offering a combination of long-term and short-term rentals.  There is an increasing demand for rental properties in several urban regions, such as Charleston and Columbia.

The real estate market is influenced by the state’s general economic situation. Property trends are influenced by variables including business development, income levels, and job growth.

South Carolina, like many other states, has experienced issues with housing affordability, especially in some high-demand areas.

Thank you again for your interest in Capital Home Mortgage South Carolina and we look forward to providing your new mortgage.

South Carolina Home Loans

South Carolina Conventional Home Loans

A South Carolina Conventional Home Mortgage adhere to Fannie Mae and Freddie Mac requirements.  These loans can be used for primary residence, secondary and investment properties.  Typical eligibility requirements include a minimum credit score of 620, a stable income, and a minimum down payment.  Conventional Home Loans are also called Conforming loans and have capped loan limits that are updated annually on January 1st base on the median selling price within a local area.

South Carolina FHA Home Loans

South Carolina FHA Home Mortgage is a mortgage insured by the Federal Housing Administration or “FHA” and issued by an FHA-approved lender.  FHA loans are designed for low-to-moderate-income applicants and first time homebuyers who need a smaller down payment.   However, FHA home loans can be used by anyone.

FHA home loans feature a low down payment, flexible credit score requirements and the ability to use gift funds for the down payment.  Other eligibility requirements for a South Carolina FHA home loan is consistent employment history and documented income.

South Carolina VA Home Loans

South Carolina VA Home Mortgage is a mortgage option for qualified veterans, active-duty service members, and select surviving spouses in South Carolina.  These loans are made by private lenders but are guaranteed by the United States Department of Veterans Affairs, allowing for favorable terms such as no down payment and no private mortgage insurance (PMI).   VA home loans are widely available, with competitive interest rates and liberal credit standards.

South Carolina USDA Home Loans

South Carolina USDA Home Mortgage is a zero down mortgage program provided by the US Department of Agriculture (USDA) to assist low-to-moderate-income buyers . USDA home loans are classified into two types: USDA-Guaranteed and USDA-Direct.  The USDA-Guaranteed Home Loan is made available by a private lender and guaranteed by the USDA, whereas the USDA-Direct home loan is made available directly by the USDA.  To be eligible for USDA financing, the residence must be located in an approved rural area and household income cannot exceed 115% of the median household income in your area for Guaranteed Loans.

South Carolina Jumbo Home Loans

A South Carolina Jumbo Home Mortgage is a mortgage that exceeds the standard conventional loan limits.  These loans are widely utilized to finance luxury properties and have grown in popularity as values have continued to increase.  Jumbo loans frequently include fixed-rate durations such as 30-year and 15-year and adjustable-rate alternatives. Financing of up to $3,000,000 is offered at 90% with no PMI (Private Mortgage Insurance).

South Carolina Non QM Home Loans

South Carolina Non-Qualified-Mortgage-Loans, also known as a Non-QM loan, is a form of mortgage loan that does not meet the government-sponsored enterprise (GSE) requirements for a qualified mortgage.  Borrowers who fail to meet the tight standards of a qualifying mortgage, such as those with irregular income or a high debt-to-income ratio, are perfect candidates for this sort of loan.

South Carolina Native american Home Loans

A South Carolina Native American Mortgage, also known as a HUD 184 Home Loan, is a government mortgage loan specifically for registered California Native Americans.  This loan offers easier credit qualifications, tribal grants and can be used to renovate the home along with the purchase.

South Carolina One Time Close construction Home Loans

One Time Close Construction Mortgage Company
A South Carolina One-Time Close Construction Mortgage is distinct from a traditional construction home loan in combining the construction loan and the permanent mortgage into a single loan.  This means you only have to go through the application and closing process once, saving time and money.  A traditional construction home loan requires you to apply for a separate mortgage after the construction is completed.  An OTC loan also can. be combined with other standard mortgage products resulting in much smaller down payments.
One Time Close Construction Mortgage Company
Why South Carolina HomeBuyers are Choosing Capital Home Mortgage
Close On Time

Complete Control from Application to Funding

Low Rates & Low Fees

Direct Lender with Competitive Rates & Low Fees

Exceptional Service

7  Day a Week Support Application to Final Mortgage Payment

South Carolina Mortgage Rates

Have you ever wondered why interests rates are what they are and what determines the final rate?  Why borrowers receive different interest rates? Or why rates go up and down?  Interest Rates are calculated using several factors.

  • Demand for mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness
South Carolina Mortgage Programs

South Carolina Purchase loans

Looking to Purchase a South Carolina Home?

Looking to Purchase a Home? We have the loan program for you… Call today to speak with a loan officer to discuss your personal mortgage options.
  • Primary, 2nd Home, Investment
  • Low Rates & Fees, No fee Options
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo & Renovation
  • Manufactured, Construction, Reverse

South Carolina Renovation Home Loans

Looking to Rehab a South Carolina Home?

Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not a renovation loan? Purchase the Perfect Home and make it your own.
  • Remodel, Renovate or Repairs
  • FHA 203K Streamline 
  • FHA Full Documentation Rehab
  • Fannie Mae Homestyle Reno
  • Freddie Mac Home Choice Reno

South Carolina FHA Home loans

Great 1st Time South Carolina Homebuyers

FHA Home Loans are great for first time home buyers, buyers with less than perfect credit, or buyers needing less out of pocket.   Call today to get started.
  • Smaller Down Payments
  • Flexible Underwriting Guidelines
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Down Payment Gifts Allowed

South Carolina va Home Loans

100% Financing for South Carolina Vets

Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.
  • No Mortgage Loan Limits
  • Simple Qualifying
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Manual Underwriting Allowed

South Carolina Conventional Home loans

Flexibility for South Carolina Homebuyers

Conventional Home Loans are the best option for flexibility of property types and for mortgage loan terms. Call today to get speak to a loan officer.
  • Primary, 2nd Home, Investment Properties
  • Single and Multi-Family Properties
  • Variable Mortgage Insurance Options
  • Low Rates & a Variety of Mortgage Terms
  • Renovation Programs Available

South Carolina Jumbo Home Loans

South Carolina Non-Confirming Home Loans

Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits. Call today.
  • Primary & 2nd Homes
  • Variety of Mortgage Programs
  • Simple Qualifying for Veterans
  • Investor Specific Guidelines
  • Credit Score Minimums

South Carolina USDA Home loans

100% South Carolina Rural Home Loans

USDA Loans are a great option for families wanting to live outside of the city.  Call today to speak with a loan officer to discuss your personal loan options.
  • Primary Residences
  • No Down Payment Required
  • New Manufactured Homes Allowed
  • Closing Costs / Repairs Rolled In
  • Geographic and Income Limits Apply

South Carolina Native american Loans

South Carolina Hud 184 Home Loans

HUD 184 Home Loans are solely for Native American and offer a variety of benefits.  Call today to speak with a loan officer to find out more.
  • Primary Residence Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed
  • Purchase, Refinance, and Renovation

South Carolina Manufactured Home loans

Great South Carolina Alternative Housing

Manufactured Home Loans offer options to purchase an existing residence or build your dream home on your own land. Call today to speak to a Loan Officer.
  • Existing Purchase or Refinance
  • New Construction
  • One Time Close Land/Home Combo
  • Lock at Contract
  • FHA, VA, USDA, Native American

South Carolina Reverse Mortgage Loans

Your South Carolina Home at Work

Reverse Mortgage Loans offer seniors options to use their home’s equity for cash or to eliminate payments. Call today to get speak to a Reverse Loan Officer.
  • Primary Residence Only
  • Simple Qualifying – Equity Based
  • No Credit Score Requirements
  • Minimum Age 62
  • Purchase, Refinance, and Cash-Out

South Carolina Non QM Home loans

Making South Carolina Mortgages Possible

Looking for Non Traditional Home Mortgage Loan?  Contact a Loan Officer Today to discuss the alternative mortgage options currently available.
  • Purchase, Refinance & Cash-out
  • Primary, Secondary, Investment Properties
  • Full Doc Programs
  • Alt Doc Programs
  • Corporations OK

South Carolina One Time Close Home Loans

Build Your South Carolina Dream Home

Want to Build? But unsure of what the future looks like? Remove the risk with a One Time Close Construction Loan.  Call today to see how a OTC loan works.
  • Primary Residences Only
  • One Time Close
  • Lock Rate at Closing
  • Traditional Final Mortgages
  • No Payments During Construction

South Carolina Refinance Mortgage loans

South Carolina Rate & Term Refinance

Refinancing can be a hard decision and the payback can sometimes be confusing.  Call today and let our Loan Officers walk you through the process.
  • Lower Monthly Payment
  • Shorten Mortgage Term
  • Streamline Options Available
  • Appraisal Waivers Allowed
  • VA IRRRL’s

South Carolina Cashout Mortgage Loans

South Carolina Equity Mortgage Loans

Cash-Out Mortgage Loans make use of the equity in your home by allowing you to refinance the current mortgage and access this equity to use as you see fit.
  • Debt Consolidation
  • Investment Opportunities
  • Home Improvement
  • Dream Vacation
  • Higher Education

South Carolina Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Susan Adams

Sr Loan Officer
NMLS #105389

South Carolina Mortgage Company Reviews

South Carolina Cities

Charleston Home Loans

Columbia Home Loans

North Charleston Home Loans

State Specific Mortgage Information
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