Buy a Home

Why choose South Carolina Federal for your mortgage?
Trusted guidance
Our mortgage professionals help you every step of the way.
Home loan options
Choose a mortgage with a rate and term that fits your budget and lifestyle.
Local support
We serve Charleston, Columbia, Florence, Georgetown, Greenville, Myrtle Beach and Spartanburg.
Wherever you are in your homebuying journey, we can help you.
Apply online Get prequalified
Still researching?
We have information that can help you plan ahead and make the right choice for you. 
Learn more
Almost ready?
Getting prequalified finalizes your home budget and lets sellers know you are serious about buying.
Learn more about prequalifying
Let's do this!
Found your perfect home? Submit your application online and our loan officers will guide you at every step.
Apply online
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Need help getting started? Give us a call.

First-Time Homebuyers    Learn More > 

Monday - Friday: 8:00am - 6:00pm

(843) 569-5145

Explore Loan Options

Fixed-Rate Mortgage

Fixed principal and interest payments over the loan's term, helping you budget accurately each month.

  • If you are planning on living in your home for 10 years or more.
Adjustable-Rate Mortgage

With a lower initial interest rate for a specific period of time, you can save money.

  • Consider this loan if you plan on being in your home fewer than 10 years.
Jumbo Loans

This loan option may be right for those looking to finance more than $766,550.

  • Beneficial for accessing funds that exceed conventional financing limits. 
Lot Loans
Our Lot Loan program provides funds for purchasing a vacant residential lot to build your next home.
Construction Permanent Loans
For homebuyers who are looking to build their next home and already have a lot. This loan helps with the building process and provides permanent financing.
  • Our construction permanent loan offers you a 12 month construction draw period.

Mortgage Calculators

Figure out how much you can put away to start saving for a down payment on your home.
Use this calculator to determine the home price and monthly housing cost you can afford.
Calculate how much you could reduce your monthly and total loan payments if you refinance your mortgage.
Our Homebuying Process
Get Prequalified
Before you go house-hunting, find out how much home you can afford. 
Learn more
Apply Online
We offer a variety of mortgage options and can help you choose one that best fits your finances. 
Submit your application online
Finalize Your Loan
When your loan application is approved, our loan officers will walk you through closing. 
Welcome Home
Once you sign your loan at closing, you'll receive the keys to your new home. 
See what our members have to say about us.
I have worked with South Carolina Federal Credit Union for my last five mortgages, including purchases and refinancing. Every time I have used them, the experience has been remarkably smooth. They go the extra mile to provide service that is truly world-class.
Read More of this testimonial
- Adam L.
I'd always heard that getting a mortgage was a long, frustrating and confusing process. The team at South Carolina Federal made it easy and stress-free, which is why I recommend them often.
- Ross H.

Ready to take the first step today? 

Get prequalified to show sellers you are serious about buying. 

(843) 569-5145  Monday - Friday: 8:00am - 6:00pm