Buy a Home
Compare loans for your first home or your next move.
Beaufort · Port Royal · Lady’s Island
Beaufort Mortgage Programs
Compare loans to buy, build, invest, or refinance in Beaufort. We’ll help you weigh the payment, closing costs, and cash you need.
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This is general loan information. Your loan depends on you, the home and the lender’s rules. It is not a loan approval.
Know the home and the costs
What to Check Before Buying in Beaufort
Moving for military duty?
Tell us when you must report, when you can look for a home and how long you may stay.
Check the MCAS Beaufort welcome information and Beaufort VA loans as you plan your move.
What will the home cost each month?
Get home, wind and any flood insurance quotes for the address. Add taxes and HOA fees to the loan payment.
Check the home on the county flood maps. Do not assume your costs will match the seller’s costs.
Does the home need extra checks?
An older home downtown, a waterfront home and a condo may need different loan checks. Ask about repairs, permits and any condo rules before you commit.
We help buyers compare loans for homes in Beaufort, Port Royal, Lady’s Island and nearby areas. Tell us the address so we can check the right loan rules.
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 about working with us
His guidance made every step feel manageable, even when the situation changed quickly.
Easy 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.
Before You Buy or Build
Plan Your Beaufort Move
Get ready for your first offer, a military move, or a new home build.
Buying in Beaufort
Before your first Beaufort offer
Five things to check before you pick a loan or make an offer.
Read the guide
Military homebuyers
Buying near Parris Island
Plan for your move, VA loan and the cost of owning a home.
Read the guide
Building a home
Planning a VA construction loan
Ask about the land, builder, costs and payments during a VA build.
Read the guideQuick answers
Common Beaufort Mortgage Questions
Can I buy a Beaufort home with little or no down payment?
VA or USDA may let an eligible buyer get a loan with no down payment. FHA and some conventional loans may offer a small down payment. Closing costs can still be due. Compare low-down-payment loans and the cash you will need.
Where should an MCAS Beaufort or Parris Island buyer start?
Start with Beaufort VA loans. Check your VA benefit, move date and the home. Ask when you must live there and what cash you need at closing.
Where should a first-time Beaufort buyer start?
Start with the Beaufort first-time buyer guide. Check your credit, monthly budget and cash for closing. Get insurance costs and ask what needs review about the home.
How can flood insurance affect my Beaufort mortgage payment?
Flood insurance adds to the cost of owning the home. Get a quote early. Ask your lender if it is needed. Check the home on the Beaufort County flood maps.
What if I do not know which program fits?
You do not need to pick a loan first. Tell us about the home, how you will use it and what you want to do. We can help you compare your options.
Contact Us
Have a mortgage question? Send your details, call, or text our team.
Benji Gecy, NMLS #302188 · Beaufort Lending, NMLS #1703543 · Equal Housing Lender