Home Loans

Make your next big move with help from our home team.
Whether you are buying your dream home, borrowing money to spruce up your current place, or looking for lower monthly payments, our experienced lenders are always ready to help our neighbors.
Calculate your monthly mortgage payment.
Use these home affordability and refinance calculators to estimate your monthly payments.

Why choose South Carolina Federal Credit Union.

We offer competitive rates, personalized service, and we are local.

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

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. 
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.
Lot Loans
Our Lot Loan program provides funds for purchasing a vacant residential lot to build your next home.
Home Equity Loans & Lines of Credit
A home equity loan may be an excellent way to utilize the equity in your home for a variety of reasons.
  • It may be used to finance home improvement projects, debt consolidation, or other approved major purchases.
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.