Laurens County is a quiet and affordable Upstate destination with open land, charming towns, and close access to larger job markets. It’s the perfect place for veterans and active-duty families looking to purchase or build a home with the flexibility and strength of a VA loan.
Why Use a VA Loan in Laurens County?
- $0 Down Payment – Buy with no money out of pocket
- No PMI – Avoid monthly private mortgage insurance fees
- Lower Interest Rates – VA loans are typically below market
- Great for Building – Land is abundant and affordable
- Easy Access to Greenville, Spartanburg, and Columbia
VA Purchase Loans in Laurens County
Eligible veterans can use VA loans to purchase:
- Single-family homes
- VA-approved condos and townhomes
- Multi-unit properties (up to 4 units if you live in one)
Popular areas for VA homebuyers include:
- Laurens – The county seat with schools, services, and charm
- Clinton – Home to Presbyterian College and historic neighborhoods
- Gray Court – Quiet community with land-rich opportunities
- Mountville & Waterloo – Affordable rural homes near lakes
VA One-Time Close Construction Loans
For buyers looking to build in Laurens County, the VA One-Time Close (OTC) construction loan is ideal. This program combines land, construction, and mortgage into a single loan and closing.
Top build areas include:
- Between Clinton and Cross Hill – Room to spread out
- Lake Greenwood region – Water access and rural privacy
- Southwest of Laurens – Unrestricted land and wooded tracts
- Near I-26 corridor – Great for commuters working in Greenville
2025 VA Loan Limits for Laurens 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 Laurens County
- Lower cost of living and land prices
- Close proximity to VA care in Greenville and Columbia
- Excellent for retirement or remote work
- Tight-knit communities and rural lifestyle
- Ideal for building a forever home with privacy
The Local Ledger is proud to serve veterans and military families across Laurens County. Whether you’re buying your first home, building your dream retreat, or relocating to South Carolina, our expert team is ready to help you navigate the VA loan process with confidence and clarity.
