Buy a Home
Compare loans for your first home or your next move.
Greenville · Greer · Simpsonville
Greenville Mortgage Programs
Compare loans to buy, build, invest, or refinance in Greenville. 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 Greenville
What kind of home are you buying?
A downtown condo, an older home near Augusta Road, and a new build in Simpsonville need different checks. Ask about repairs, HOA rules, the appraisal, and any builder papers early.
Could the address fit USDA?
Looking near Travelers Rest or elsewhere in the Upstate? Check the exact address and household on the USDA eligibility site. Do not assume a whole town qualifies.
Have you priced the whole payment?
Add taxes, insurance, HOA fees, and upkeep to the loan payment. Check the address on the FEMA flood map. For a rental, compare the rent the lender can count with the full costs.
Serving buyers and homeowners across Greenville, Simpsonville, Mauldin, Greer, Taylors, Travelers Rest, Fountain Inn, Five Forks, and nearby Upstate communities.
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
Gracie went above and beyond to make my home loan process smooth and stress-free after my previous lender kept delaying my closing.
Easy to communicate with, always available to answer any questions and provided a seamless experience.
His guidance made every step feel manageable, even when the situation changed quickly.
Before You Buy or Build
Plan Your Greenville Move
Prepare to make an offer, compare a new build, or plan for business income.
Before your offer
Get ready to make an offer
Know what to ask about pre-qualification and pre-approval.
Read the guide
Choosing a home
New build or existing home?
Compare your plans, loan choices, and timing.
Read the guide
Self-employed buyers
Buying when you work for yourself
Plan the income papers to discuss with your lender.
Read the guideQuick answers
Common Greenville Mortgage Questions
Which mortgage program is best for a Greenville homebuyer?
There is no single best program for every buyer. The useful comparison depends on down payment, credit, income documentation, military eligibility, property type, and how long you expect to keep the home. Compare total cost and flexibility, not just the advertised down payment.
Can I buy a home near Greenville with a low down payment?
Some conventional and FHA options allow lower down payments, and qualified borrowers may have access to assistance programs. Eligibility, mortgage insurance, cash needs, and total cost should be compared before choosing a path.
Are zero-down mortgage options available around Greenville?
VA loans may offer zero-down financing for eligible military borrowers, and USDA loans may offer zero-down financing for eligible buyers and properties outside dense urban areas. Both are subject to program and underwriting requirements, and zero down does not necessarily mean zero cash due at closing.
What options can self-employed Greenville borrowers compare?
Self-employed borrowers may compare standard conventional documentation with bank-statement and other alternative-documentation programs. Investors may also consider DSCR financing when property cash flow is the relevant qualification path.
Should I refinance or use a HELOC?
A refinance replaces the current first mortgage; a HELOC or second mortgage may leave it in place. The better fit depends on the existing rate, equity goal, closing costs, repayment structure, timing, and tolerance for a variable rate where applicable.
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