Best Mortgage Guarantee. Mortgages Simplified.

 *Best Mortgage Guarantee applies to new purchase and refinance transactions only.

Buying a new home or just looking to refinance your current mortgage? South Carolina Federal Credit Union’s Best Mortgage Guarantee* is truly Life Simplified. A mortgage is about more than just an Annual Percentage Rate (APR) – there are other expenses such as closing costs and origination fees. Best Mortgage Guarantee means that you will get the best overall deal, based on all the mortgage loan costs.

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If you already have done research on your own and have a competitor’s rate, simply provide your South Carolina Federal mortgage loan officer the link to the other mortgage lender’s offer. The competitor’s offer must be from a federally regulated mortgage lender’s fully transactional mortgage web site where you have:

  • Entered your required loan amount
  • Chosen your transaction type
  • Chosen a comparable lock term (maximum of up to 60 days)
  • Chosen a product type (fixed rate or adjustable)
  • Entered your credit score type (excellent, good, etc.)
  • Received a rate quote back which includes closing costs and APR
  • Same day pre-qualification approval, fill out an application and print your
    pre-qualification letter the same day!

Then South Carolina Federal will lock in your rate and help you complete the process for your Best Mortgage Guarantee. Each situation will be unique to the borrower and their future home, and your Best Mortgage Guarantee may include: reduced closing costs, reduced interest rate, or a combination of both lower closing costs and lower interest rate.

* Best Mortgage Guarantee applies to new purchase and refinance transactions only. This is a limited time offer – normal underwriting guidelines, Rate Lock terms and conditions apply. *Annual Percentage Rate (APR) will be at least 0.125% lower. Guaranteed Best Mortgage Promise is available for loans up to $417,000 for first mortgage products posted on our website. Offer compares competitor’s APR for the transaction type, product type, and lock period available for applicant’s credit score. A copy of Rate Lock Agreement is available upon request. Once rate is locked in the terms of the Rate Lock Agreement prevail. The Best Mortgage Guarantee is not available on VA, FHA, and USDA loan programs.

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A South Carolina Federal Credit Union representative will assist you in the process. To enroll, please visit one of our financial centers or call our Contact Center:

  • 843.797.8300  (Charleston)
  • 803.738.8300  (Columbia)
  • 843.545.8300  (Georgetown)
  • 800.845.0432  (Nationwide)

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Please call our Contact Center for assistance:

  • 843.797.8300  (Charleston)
  • 803.738.8300  (Columbia)
  • 843.545.8300  (Georgetown)
  • 800.845.0432  (Nationwide)