South Carolina mortgage guidance
South Carolina Mortgages, Made Clear
Compare loans to buy, build, invest, or refinance in South Carolina.
The people behind your next step
Meet the Beaufort Lending team
Beaufort Lending is a mortgage broker in Port Royal, helping buyers across South Carolina. We shop loans from wholesale lenders, then help you compare payments and closing costs. Our team explains your choices in plain words and helps you see what fits your budget. From your first questions to closing, you have people to turn to for help.
What Clients Say
5.0 from 181 Google reviewsEasy to communicate with, always available to answer any questions and provided a seamless experience.
Gracie went above and beyond to make my home loan process smooth and stress-free after my previous lender kept delaying my closing.
Very knowledgeable about First Time Home Buyer Downpayment Assistance Programs along with 2:1 Buydowns.
He made the refinancing process smooth, stress-free, and completed everything in a very timely manner.
The administrative support at Beaufort Lending is exceptional as well, allowing the path to flow very smoothly.
Three-question guide
Find Your Starting Point
Answer three quick questions to see which loan options to explore.
No name, email, credit score, Social Security number, or financial documents requested.
Your suggested starting point
This guide is a starting point, not a loan approval. Loan options and terms depend on you, the home, and current lender rules.
Where you are buying
South Carolina Markets We Serve
Find local loan options and tips for your next move.
Beaufort and Port Royal
Explore home loans, VA options, and coastal property checks.
Hilton Head Island
Buying a condo or second home? Explore your loan options.
Charleston
Find loan options for historic homes and larger home purchases.
Greenville and the Upstate
Buying, building, or fixing up a home? Start here.
Columbia and the Midlands
Explore first-home loans, VA options, and USDA address checks.
Myrtle Beach and the Grand Strand
Compare loans for condos, second homes, and rental properties.
South Carolina mortgage questions
Common Mortgage Questions
When do I need a jumbo loan?
For a one-unit home in South Carolina, the 2026 conforming loan limit is $832,750. Borrowing more? Compare jumbo loan options. Limits differ for homes with two to four units.
Source: FHFA conforming loan limits.
Are taxes different for a second home?
Yes. A qualifying primary home uses a 4% assessment ratio; a second home uses 6%. These are not tax rates. Qualifying primary homes also get a school operating tax break. Ask the county to confirm your home’s tax bill.
Does this address qualify for USDA?
Check the address with the USDA eligibility tools. Your household income must also qualify. See USDA loans and the USDA program rules.
Can I buy with no down payment?
Eligible buyers and homes may qualify for VA loans or USDA loans with no down payment. Closing costs and fees may still apply. Income, credit, appraisal, and lender rules also apply.
Sources: VA purchase loans and USDA program rules.
What should I check for a coastal home?
Check the FEMA flood map and insurance costs for the address. Include taxes and condo or HOA fees in your budget. Tell us if the home needs repairs.
What about self-employed or rental loans?
We can help you compare bank statement loans for self-employed income and rental income (DSCR) loans for investment homes. The right fit depends on your income, property, and loan rules.
Contact Us
Have a mortgage question? Send your details, call, or text our team.
Beaufort Lending, NMLS #1703543 · Benji Gecy, NMLS #302188 · Equal Housing Opportunity Lender