Home to the Grand Strand and some of South Carolina’s fastest-growing communities, Horry County is an excellent location for veterans and active-duty military looking to settle in or invest. Whether you’re buying in Myrtle Beach, building in Conway, or retiring near North Myrtle, a VA loan can offer unmatched affordability and flexibility.
Why Use a VA Loan in Horry County
- $0 Down Payment – Eliminate the barrier of saving for a down payment
- No PMI – Lower your monthly expenses
- Low Interest Rates – VA loans offer below-market rates
- Build or Buy – Use your VA entitlement for new construction or resale homes
- Flexible Credit Standards – Open to more borrowers
VA Purchase Loans
With a VA-backed purchase loan, you can buy:
- Single-family homes
- VA-approved condos and townhomes
- Up to 4-unit multi-family properties (if one is your primary residence)
Popular areas for VA homebuyers in Horry County:
- Myrtle Beach – Coastal lifestyle with access to VA jumbo loan limits
- Conway – Affordable homes, near schools and hospitals
- North Myrtle Beach – Strong rental potential and family-friendly
- Surfside Beach – Laid-back vibe with small-town charm
VA One-Time Close Construction Loans
Looking to build a custom home in Horry County? The VA One-Time Close (OTC) program combines land, construction, and the permanent mortgage into one streamlined loan. Great for:
- Veterans buying rural land in Conway or Aynor
- Buyers wanting to avoid multiple closings
- Custom builds or new construction communities
Recommended construction areas:
- Longs
- Loris
- Aynor
- Rural parts of Conway and Socastee
2025 VA Loan Limits for Horry County
| Property Type | VA Loan Limit |
|---|---|
| 1 Unit | $750,000 |
| 2 Units | $960,300 |
| 3 Units | $1,160,175 |
| 4 Units | $1,442,400 |
Why Veterans Choose Horry County
- Coastal living with access to top-rated VA amenities
- Numerous golf courses, healthcare facilities, and new development
- Strong second-home and investment market
- Expanding infrastructure and veteran-friendly communities
We proudly serve those who served. Whether you’re buying near the coast or building inland, our team is ready to guide you through every step of your VA home loan process.
