Find South Carolina Mortgage Rates and Home Loan Information

Live oak on golf course in South would like to welcome home buyers and homeowners in the Palmetto state. We offer information on a wide variety of South Carolina home loan programs such as little to no money down mortgages, fixed rate loans, adjustable rate mortgage financing, and much more. From Spartanburg and Sumter to Hilton Head and Florence, use the information on this site to help you determine which South Carolina mortgage products might meet your needs.

How the rate tables on work

Everyday we receive interest rate information from a third party provider. The mortgage rates, closing costs, and APR information provided in the table is submitted directly by the various mortgage lenders, brokers and banks. We are not responsible for the accuracy of the rates supplied by the financial institutions. Rates may vary for multiple reasons such as the type of properties being financed (i.e. stick built homes, condominiums, manufactured homes, etc), how the owners plan to occupy the property (i.e. owner occupied, second home, or investment property), or multiple of other reasons. You can use the product dropdown tool to navigate between various fixed rate (30,20,15, and 10 year) and adjustable rate solutions (3/1, 5/1, and 7/1 ARMs). You can also view jumbo mortgage rates by entering in a non-conforming loan amount in the relevant field in the survey. We encourage you to speak with multiple mortgage companies directly to verify whether or not you may qualify for the listed pricing.

Person walking their dog on SC beach at sunset.

Other Places to Research South Carolina Mortgage Companies and Home Buyer Assistance Programs

South Carolina State Housing & Finance Development Authoritywebsite
300C Outlet Pointe Blvd, Columbia, SC 29210 PH: 803-896-9001

Mortgage Bankers Association of the Carolinaswebsite
PO Box 2588 Mount Pleasant, SC 29465 PH: 843-303-5705

MPSC Mortgage Professionals of South Carolinawebsite
1122 Lady Street, Suite 914 Columbia, SC 29201 PH: 803-771-0416

South Carolina Credit Union Leaguewebsite
PO Box 1787, Columbia, SC 29202 PH: 800-235-4290

South Carolina State Board of Financial Institutionswebsite
3rd Floor, Edgar Brown Building 1205 Pendleton St., Columbia, SC 29201 803-734-2020

Popular Mortgage Programs Offered By Providers in the Rate Tables

  • Fixed Rate Mortgages – Rates stay fixed for the lives of the loans. Most popular options are 30 and 15 year home loans but are also available in 20 and 10 year terms.
  • Adjustable Rate Mortgages – These loans often have low introductory rates which remain in place for a set number of years. Most lenders offer adjustable rate mortgages with 3, 5, 7, and 10 year introductory rate periods. After the introductory rate periods end, rates then adjustable up or down based upon the loans’ margins, caps, and the indexes which the loans are tied to.
  • Jumbo Loans – You can find jumbo mortgage pricing in the rate tables by typing in a corresponding loan amounts. Jumbo loans are used to finance loan amounts which exceed areas’ conforming loan limits. Many lenders offer jumbo loans in 30 and 15 year fixed rate terms as well as several adjustable rate options.
  • FHA Loans – FHA mortgages are low down payment home loans which are available through lenders approved by the Federal Housing Administration. FHA pricing may not be on display in the tables at this time. You may need to contact the various mortgage companies directly to see if they’re offering FHA financing.