South Carolina Mortgage Loans

Looking for a mortgage in South Carolina? 1st Nationwide Mortgage is a licensed mortgage lender serving homebuyers and homeowners across the Palmetto State.

Mortgage Programs Available in South Carolina

We offer a full range of mortgage products to South Carolina residents:

• FHA Home Loans — Low down payment options starting at 3.5%
• VA Home Loans — Zero down payment for eligible veterans and active military
• Conventional Loans — Competitive rates on 15 and 30-year fixed terms
• Jumbo Loans — Financing above conforming loan limits
• USDA Loans — Zero down payment for eligible rural areas
• DSCR Investment Property Loans — Qualify on rental cash flow, no personal income documentation
• Bank Statement Loans — Qualify on 12–24 months of bank deposits, no tax returns required

Bank Statement Loans for South Carolina’s Self-Employed

South Carolina has a large and growing self-employed population — independent contractors in the Greenville-Spartanburg manufacturing corridor, restaurant and hospitality operators in Charleston, tourism and short-term rental managers along Myrtle Beach and Hilton Head, and construction contractors active across the Lowcountry. For these borrowers, tax returns frequently understate actual income after legitimate business deductions. A bank statement loan solves that: the lender qualifies you on 12 or 24 months of deposit activity instead of IRS filings.

If you own a business or work for yourself in South Carolina, a bank statement loan can unlock purchasing power that conventional underwriting won’t recognize. Requirements are straightforward — two years self-employed, consistent deposit history, and a credit score of 640 or better. Loan amounts reach $3M+, which matters in Charleston’s luxury coastal markets and resort communities like Kiawah Island.

View South Carolina Bank Statement Loan details, requirements, and FAQs →

Why South Carolina Homebuyers Choose 1st Nationwide

• Coastal to upstate — From Charleston’s historic neighborhoods to Greenville’s growing suburbs, South Carolina’s housing market is diverse. We serve buyers across the entire state.
• Military lending expertise — South Carolina is home to Joint Base Charleston, Shaw Air Force Base, and a large retired military community. We help veterans and active duty members make the most of their VA loan benefits.
• Investor-friendly financing — From Charleston rentals to Greenville multifamily, our DSCR loans let real-estate investors qualify on a property’s rental cash flow instead of personal income.
• Competitive rates, honest guidance — We shop wholesale lenders on your behalf and give you clear numbers up front.

Get Started Today

Ready to explore your mortgage options in South Carolina? Contact us at (833) 350-9185 or check your eligibility .