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.

refinance

March 29, 2026

Refinancing Your Home

Learn the ins and outs of refinancing your mortgage. Understand when to refinance and how it can save you money.

Why Refinance?

Refinancing can lower your monthly payments or help you access equity in your home. Homeowners in Summerville SC who purchased with an FHA loan often refinance to a conventional loan once they build equity.

When to Consider Refinancing

Interest rates drop
Improved credit score
Need for cash for home improvements

Refinancing options can be high-converting for homeowners. Use our mortgage calculators to see how much you could save by refinancing.

Ready to explore your options? Start Your Pre-Approval or learn more about all loan options available in Summerville SC.

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refinance options
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Refinancing Your Home

Why Refinance?

When to Consider Refinancing

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