Residential Mortgage Loans

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Looking to purchase a new home or refinance your existing home?

Let South Carolina Federal Credit Union help you navigate the mortgage loan process. Whether you are a first-time homebuyer, currently renting, or looking to refinance, our team of mortgage professionals is dedicated to helping you with every step of the process. We offer a number of mortgage options to meet your needs. Serving members throughout South Carolina, including Charleston, Columbia, Florence, Georgetown, Greenville, and Spartanburg.

Fixed-Rate Mortgage

This loan features a fixed rate and fixed payment over the life of the loan. Consider this loan if you plan to be in your home for longer than 10 years or are concerned about interest rates rising.

Adjustable-Rate Mortgage

This loan features a lower initial interest rate than a fixed-rate mortgage. South Carolina Federal offers a five-year option ARM. The number refers to the length of time the initial interest rate remains constant. The ARM rate may be adjusted after that period of time. Consider this loan if you plan on being in your home less than 10 years and are not concerned about a variable interest rate.

Member Tips

Show sellers that you are a serious shopper by going through the process of being pre-qualified for your home purchase. This process gives you a good idea of how much home you can afford and increases your buying power when approaching sellers. Talk with your Mortgage Loan Officer about how to get pre-qualified today!

  • Rate may vary based on individual creditworthiness
  • Terms and conditions subject to change without notice