Orangeburg County offers veterans a unique mix of farmland, small-town communities, and city convenience. With $0 down, no PMI, and flexible credit guidelines, your VA loan can help you buy or build with confidence anywhere in the region.
Why Use a VA Loan in Orangeburg County?
- 100% Financing – Use your VA benefit to buy without a down payment
- No Private Mortgage Insurance – Save monthly
- Flexible Credit Requirements – Great for first-time buyers
- Fixed Rates – Lower-than-market options backed by the VA
- Buy or Build in Rural or City Areas
VA Purchase Loans in Orangeburg County
Eligible borrowers can use a VA loan to purchase:
- Single-family homes
- VA-approved condos and modular homes
- Multi-unit homes (2–4 units) with one unit as your primary residence
Popular locations include:
- Orangeburg – Regional center with access to schools, hospitals, and employers
- North – Rural charm and quick I-26 access
- Bowman, Elloree, and Santee – Ideal for land and lake proximity
VA One-Time Close Construction Loans
Orangeburg County has vast open land, perfect for VA-backed new construction. A One-Time Close (OTC) loan combines land, build, and mortgage into one simplified closing.
Top construction areas:
- Rural tracts near North and Cordova
- Lake-adjacent lots in Elloree or Santee
- Acreage outside Orangeburg city limits
2025 VA Loan Limits for Orangeburg 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 Choose Orangeburg County
- Quick access to I-26, Columbia, and Charleston
- Affordable land and custom-build opportunities
- Home to SC State University and regional hospitals
- Proximity to Lake Marion and outdoor recreation
- Great market for VA OTC and rural financing
From country homes to custom builds, Orangeburg County is a prime destination for veterans ready to take the next step. Let The Local Ledger guide you through the VA loan process from start to finish.
