Greenwood County is known for its beautiful lakes, small-town community spirit, and affordability—making it an excellent option for veterans looking to buy or build. Whether you’re relocating to the Upstate or retiring near Lake Greenwood, VA loans help make homeownership easier and more affordable.
Why Choose Greenwood County for a VA Loan?
For veterans, Greenwood offers both value and quality of life. With its proximity to Columbia, Greenville, and Augusta, you can enjoy rural living without being far from major cities or VA resources.
- $0 Down Payment – VA loans allow qualified buyers to finance 100% of the home price
- No PMI – Skip the cost of private mortgage insurance
- Low Interest Rates – VA-backed loans typically feature below-market rates
- Flexible Credit Guidelines – Easier qualification for many borrowers
- Ideal for Builds or Existing Homes – Buy now or build your dream property
VA Purchase Loans in Greenwood County
VA loans can be used to purchase:
- Single-family homes
- Townhomes and VA-approved condos
- Multi-family properties (up to 4 units, must live in one)
Popular areas for VA buyers include:
- Greenwood – The county seat with shopping, schools, and services
- Ninety Six – Historic community near Lake Greenwood
- Ware Shoals – Affordable homes in a tight-knit town
- Hodges & Troy – Rural escapes with land and privacy
VA One-Time Close Construction Loans
Greenwood County is great for building, especially if you’re looking for acreage near lakes or farmland. A VA One-Time Close (OTC) construction loan lets you combine land purchase, construction, and permanent financing in one loan.
Top build areas include:
- Lake Greenwood shoreline
- Farmland near Ninety Six and Cokesbury
- Unrestricted rural tracts between Hodges and Abbeville County line
- Wooded lots with road access north of Greenwood city limits
2025 VA Loan Limits for Greenwood 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 Living in Greenwood County
- Lower cost of living and land prices
- Proximity to Columbia, Augusta, and Greenville
- Great recreational access to Lake Greenwood
- Welcoming community with military-friendly culture
The Local Ledger is proud to serve veterans across Greenwood County with lending expertise, local insight, and personalized support for every stage of your homeownership journey.
