Georgetown County offers coastal charm, historic neighborhoods, and affordable rural land—all within reach of Charleston and Myrtle Beach. For veterans and active-duty service members, VA loans make homeownership in this scenic region accessible, affordable, and flexible.
Why Use a VA Loan in Georgetown County?
- $0 Down Payment – Finance 100% of the purchase price
- No PMI – Eliminate costly monthly mortgage insurance
- Competitive Interest Rates – VA-backed loans often offer better terms
- Build or Buy Options – Choose from resale homes or custom construction
- Proximity to VA Services – Near Myrtle Beach and Charleston VA medical support
VA Purchase Loans in Georgetown County
Qualified veterans and service members can use a VA loan to buy:
- Single-family homes (new or existing)
- VA-approved condos or townhomes
- 2–4 unit properties (if you live in one)
Top homebuying locations include:
- Georgetown – Historic waterfront district with shops and walkability
- Pawleys Island – Coastal lifestyle with investment potential
- Andrews – Affordable rural housing options
- Murrells Inlet (southern edge) – Popular with retirees and families
VA One-Time Close Construction Loans
Georgetown County offers ample land, particularly west of U.S. 17, making it a great place for VA One-Time Close (OTC) construction loans. These loans combine the land purchase, construction, and final mortgage into one seamless process.
Best areas to build include:
- Rural Andrews area – Large acreage options
- North of Pawleys Island – Coastal-access new builds
- Plantersville and Browns Ferry communities – Secluded and scenic
- South of Georgetown near Black River – Great for custom homes with land
2025 VA Loan Limits for Georgetown County
| Property Type | VA Loan Limit |
|---|---|
| 1 Unit | $766,550 |
| 2 Units | $981,500 |
| 3 Units | $1,186,350 |
| 4 Units | $1,474,400 |
Why Veterans Love Georgetown County
- Close to VA clinics in Myrtle Beach and Charleston
- Low property taxes and strong veteran support organizations
- Access to beaches, rivers, and outdoor recreation
- Small-town feel with growing development
- Great for both retirement and investment buyers
The Local Ledger is honored to support veterans and military families across Georgetown County. Whether you’re purchasing your first home, investing in a coastal retreat, or building on land with a VA construction loan, we’re here to guide you every step of the way. Let our team simplify the
