As part of the greater Charleston metro area and home to thousands of veterans and active-duty service members, Berkeley County is a top destination for VA homebuyers in South Carolina. Whether you’re stationed at Joint Base Charleston or relocating to Goose Creek, Hanahan, or Moncks Corner, the VA loan program offers an affordable and flexible way to purchase or build your next home.
Why Choose a VA Loan in Berkeley County?
The VA home loan is one of the most powerful benefits available to service members and veterans. In Berkeley County, it’s an excellent tool to secure a home with flexible terms and major cost savings:
- $0 Down Payment – No need to save tens of thousands to move in
- No Private Mortgage Insurance (PMI) – Save hundreds monthly with no PMI required
- Competitive Interest Rates – Lower rates than most FHA or conventional loans
- Flexible Credit Guidelines – Designed for accessible approval
- Build or Buy Options – Use your benefit for new construction or resale properties
VA Purchase Loans
Use your VA eligibility to buy:
- Single-family homes
- VA-approved condos
- Duplexes, triplexes, and fourplexes (as long as you live in one unit)
Perfect for those relocating to:
- Goose Creek
- Hanahan
- Moncks Corner
- Summerville (Berkeley portion)
VA One-Time Close Construction Loans
Want to build your dream home in Berkeley County? Use your VA benefits to:
- Purchase land and build with one loan
- Make interest-only payments during construction
- Customize your home while enjoying $0 down
Great for more rural locations like:
- Bonneau
- Huger
- Jamestown
- Alvin
- Ridgeville
2025 VA Loan Limits for Berkeley County
| Property Type | VA Loan Limit |
|---|---|
| 1 Unit | $524,225 |
| 2 Units | $671,300 |
| 3 Units | $811,525 |
| 4 Units | $1,008,450 |
Cities & Communities We Serve in Berkeley County
- Goose Creek – Military-heavy community, ideal for quick VA closings
- Hanahan – Close to Joint Base Charleston, high VA demand
- Moncks Corner – Great balance of affordability and strong community feel
- Bonneau – Popular for lakefront properties and rural VA construction
- Jamestown, Alvin, Huger, Ridgeville – Eligible for rural VA lending and new construction
Military Access & VA Loan Expertise
Berkeley County borders Joint Base Charleston, making it a core market for PCS families and retiring service members. Whether you’re buying a home near the base or relocating inland, our VA loan expertise ensures a smooth, compliant, and timely experience.
