Question 1

What credit score do I need to buy a home in SC or NC?

Accepted Answer

It depends on the loan program. VA loans have no official minimum (most lenders look for 580+). FHA loans typically require 580 for 3.5% down. Conventional loans usually need 620 or higher.

Question 2

Can I buy a home with zero down payment?

Accepted Answer

Yes. VA loans offer 100% financing for eligible veterans and active-duty service members. USDA loans also offer zero-down options in qualifying rural areas of NC and SC.

Question 3

How long does the mortgage pre-approval process take?

Accepted Answer

In most cases, we issue a pre-approval within 24 hours of receiving your documents.

Question 4

What is the difference between FHA and conventional loans?

Accepted Answer

FHA has lower credit requirements and smaller down payments (3.5%) with MIP for the life of the loan. Conventional requires 620+ but allows mortgage insurance removal at 20% equity.

Question 5

Do you offer construction loans in South Carolina?

Accepted Answer

Yes. We offer one-time close construction loans available as VA, Conventional, Investor, and Development programs.

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