SC Home Loans is a local, family owned company with a mission to serve our community. We believe the rates and fees offered by banks and other financial institutions can be excessive. Our desire is to help you navigate the complexity of today's mortgages, because we understand the needs of South Carolina families.
With over 22 years of experience, we can guide you through every step of the mortgage process from start to finish. We are mortgage brokers, and we work directly with different lenders to find you the best loan program and rate available. These lenders offer SC Home Loans wholesale rates not available to their retail customers, allowing us to make those savings available to you.
With over 22 years of experience, we can guide you through every step of the mortgage process from start to finish. We are mortgage brokers, and we work directly with different lenders to find you the best loan program and rate available. These lenders offer SC Home Loans wholesale rates not available to their retail customers, allowing us to make those savings available to you.
Services
The minimum credit score to be able to qualify for a mortgage in today's market is now a 580 middle credit score. If you feel that your current credit rating may not be high enough to qualify for a loan, there are many steps you can take to improve your rating within 3-6 months. You can run your Transunion & Equifax credit scores for free at www.creditkarma.com.
A conventional loan is a mortgage that is not guaranteed or insured by any government agency, including the Federal Housing Administration (FHA), the United Stated Department of Agriculture (USDA) and the Department of Veterans Affairs (VA). It is typically fixed in its terms and rate.
A government-backed loan is a loan subsidized by the government, which protects lenders against defaults on payments, thus making it a lot easier for lenders to offer potential borrowers lower interest rates.Its primary aim is to make home ownership affordable to lower income households and first-time buyers.
A government-backed loan is a loan subsidized by the government, which protects lenders against defaults on payments, thus making it a lot easier for lenders to offer potential borrowers lower interest rates.Its primary aim is to make home ownership affordable to lower income households and first-time buyers.
Q: What is Fannie Mae? A: Fannie Mae guarantees and purchases loans form mortgage lenders to make sure families can buy, refinance and rent a home. They also help families avoid foreclosure. Fannie Mae is a government sponsored enterprise, but is privately owned. It receives support from the Federal Government.
Reviews (10)
William Weneck
Nov 18, 2021
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Positive: Professionalism, Quality, Responsiveness, Value
Me and my wife are forever grateful for the hard work Kiara put into helping us buy our first home. Her dedication to making sure that we are completely taken care of and are happy with the results of our mortgage is astounding! We love our new home and would refer her to our closest friends and family in a heartbeat!
Me and my wife are forever grateful for the hard work Kiara put into helping us buy our first home. Her dedication to making sure that we are completely taken care of and are happy with the results of our mortgage is astounding! We love our new home and would refer her to our closest friends and family in a heartbeat!
Jennifer Haddock
Jun 02, 2021
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Anthony Gatto
May 21, 2021
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Justin Smith
Apr 05, 2021
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David
Apr 05, 2021
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Positive: Professionalism, Quality, Responsiveness, Value
Absolutely the best rates around! Kiara made the process incredibly easy and smooth. As a new home buyer, I was glad to find a trustworthy local Christian family owned business. I would recommend her to everyone I know. She got me in my house with in a month! Thank you so much!!!!
Absolutely the best rates around! Kiara made the process incredibly easy and smooth. As a new home buyer, I was glad to find a trustworthy local Christian family owned business. I would recommend her to everyone I know. She got me in my house with in a month! Thank you so much!!!!
Brianna Hagner
Mar 20, 2021
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Rusty Odom
Mar 18, 2021
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William Tarr
Mar 02, 2021
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Positive: Professionalism, Quality, Responsiveness, Value
This was my second time using SC Home Loans and it couldn't have gone more smoothly. Kiara is extremely professional and responsive and makes the whole process completely painless. For the best rates and service, choose Kiara and SC Home Loans for your next purchase or refinance!
This was my second time using SC Home Loans and it couldn't have gone more smoothly. Kiara is extremely professional and responsive and makes the whole process completely painless. For the best rates and service, choose Kiara and SC Home Loans for your next purchase or refinance!
Melissa Smith
Feb 19, 2021
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Sabrina Burgess
Sep 15, 2020
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Positive: Professionalism
Kiara Calverley, what can I say. She was great to work with. Any questions or concerns I had, she answered and set my mind at ease. I would definitely refer her personally to anyone looking for home loan! Thank you for the human side of everything, very caring! We are in our home because of your hard work!
Kiara Calverley, what can I say. She was great to work with. Any questions or concerns I had, she answered and set my mind at ease. I would definitely refer her personally to anyone looking for home loan! Thank you for the human side of everything, very caring! We are in our home because of your hard work!
