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Compare loans for your first home or your next move.
Hilton Head Island · Sea Pines · Palmetto Dunes
Hilton Head Island Mortgage Programs
Compare loans to buy, build, invest, or refinance in Hilton Head Island. 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 Hilton Head Island
Home, getaway, or rental?
Tell us how you will use the home and whether you plan to rent it. Check the Town’s rental process and community rules before you count on rental income.
Buying a condo or villa?
Ask for the HOA budget, master insurance, repair plans, rental rules, and any fees due. The lender checks the project as well as the buyer. See Fannie Mae’s project guidance.
What will it cost to own?
Budget for taxes, each HOA fee, insurance, upkeep, and cash for repairs. Check the Town’s property viewer and county tax terms. Planning work? Review the Town’s permit checklists with your builder.
Helping buyers, owners, and investors across Sea Pines, Palmetto Dunes, Forest Beach, Shipyard, Port Royal, Indigo Run, Spanish Wells, and the rest of Hilton Head Island.
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
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.
His guidance made every step feel manageable, even when the situation changed quickly.
Before You Buy or Build
Plan Your Hilton Head Island Move
Plan for a second home, an island move, or a condo purchase.
Second homes
Plan your island second home
Compare the loan and costs for a home you will use part of the year.
Read the guide
Condos & villas
Check the condo before you offer
Start with the building, HOA costs, and loan questions.
Read the guide
Retiring on the island
Plan a move for retirement
Think through housing costs and your next home.
Read the guideQuick answers
Common Hilton Head Island Mortgage Questions
Can I finance a Hilton Head Island second home?
Potentially. The property must meet the selected program's second-home rules, and the borrower must qualify with the required down payment, reserves, income, credit, and complete payment. A property intended primarily for rental should be evaluated as an investment instead.
Which loan works for a Hilton Head Island vacation rental?
Conventional investment financing may fit some borrowers and properties, while a DSCR loan may focus on lender-accepted property rent. Compare the Hilton Head Island investment-property guide and Hilton Head Island DSCR guide after confirming the intended rental use is allowed.
What should I check before financing a condo or villa?
Review the unit and the project. Ask early about master insurance, budget, reserves, litigation, critical repairs, special assessments, ownership mix, commercial or hotel-like use, and lease restrictions. Buyer approval alone does not guarantee project eligibility.
When does a Hilton Head Island purchase need a jumbo loan?
A jumbo loan may be needed when the requested loan amount exceeds the applicable conforming limit or when the property's features call for a different financing structure. Use the Hilton Head Island jumbo guide to compare reserves, documentation, valuation, occupancy, and insurance.
How do flood and wind insurance affect qualification?
Required premiums, association master coverage, deductibles, and any separate policies belong in the complete housing cost. Obtain address-specific coverage information early because an estimate can change the affordable loan amount.
What if several programs still look possible?
Compare them on the same property and timeframe. Send the address, intended use, available cash, income-documentation question, and closing target so the Beaufort Lending Team can identify the meaningful tradeoffs.
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