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

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.

Can I buy a home with zero down payment?

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.

How long does the mortgage pre-approval process take?

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

What is the difference between FHA and conventional loans?

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.

Do you offer construction loans in South Carolina?

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

financing

March 29, 2026

Getting Pre-Qualified

Find out how to get pre-qualified for a mortgage and why it’s an essential step in the home buying process.

What is Pre-Qualification?

Pre-qualification is an initial assessment of your financial situation to determine how much you can borrow. It’s a great first step before you get pre-approved for a home loan in Summerville SC.

Steps to Get Pre-Qualified

Gather financial documents
Contact a lender
Submit your information

Getting pre-qualified is a crucial step for first-time homebuyers. If you’re buying in Summerville, check out our First-Time Home Buyer Guide for Summerville SC for a complete roadmap.

Learn about your loan options — including FHA loans and VA loans — and Start Your Pre-Approval when you’re ready.

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Getting Pre-Qualified

What is Pre-Qualification?

Steps to Get Pre-Qualified

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