First step to becoming a homeowner

What is a mortgage prequalification?
A mortgage prequalification means you are credit-approved for a specific purchase price and loan amount. We review your application and provide an approval based on your creditworthiness, income, assets, and employment history. This will help determine your approved loan amount. Your prequalification is typically valid for up to 120 days.
Show sellers you are serious about buying
A prequalification letter shows your creditworthiness to the seller for the purchase amount.
Finalizes your budget
House hunt with confidence, knowing your homebuying budget and your monthly payment.
Speeds up the homebuying process
Once you find your home, you will be able to complete your application quickly.

Why choose South Carolina Federal Credit Union.

We are a local lender with personalized service and competitive rates. 

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

Our prequalification process. We’ll help guide you at every step.
Start your application
Use our quick and easy online application to start your prequalification process.
Provide required documents
To apply, you’ll need to provide employment history, income, and assets information. This will help us determine your loan amount.
Wait for approval
After submitting your application, we’ll reach out to you within one business day. Depending on your eligibility, you can get prequalified within a day.
Don't take it from us, take it from our members.
I had a great experience getting my mortgage through SC Federal. Communication was great, and closing happened quicker than expected. If I ever buy another home, I'll definitely use them again.
Read More of this testimonial
- Jamie Y.
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.