Today's Fixed Rate4.9%5.3% APR Fixed Mortgage

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Lower Your Interest Rate

If eligible, you can lower your interest rate. This could lead to lower payments and less money paid towards interest.

Why should I lower my rate?
Piggy bank Save money
Lower cost Lower Payments

Shorten Your Loan Term

Shorten your loan term when refinancing from a 30-year term to a 15-year term. You may also lower your rate.

Why should I shorten my term?
House Become mortgage-free quickly
Lower interest Pay less interest

Leverage Your Home's Equity

Take cash out of your home to apply to improvements, renovations, or other necessary expenses.

Why should I cash out?
Paint roller Renovations
Credit card hazard Pay for other debts or emergencies

South Carolina Mortgage Rates

South Carolina offers residents a nearly perfect combination of moderate climate, historical charm, and fabulous vacation destinations. If you are looking for the ideal place to call home, there is no shortage of great houses to choose from in the Palmetto State.

South Carolina is also a popular destination for foodies with a fun combination of high-end restaurants, southern-style barbecue, and casual low-country cuisine.

Regardless of where you choose to live in South Carolina, you can compare lenders before getting started using

Common South Carolina Loan Types:

  • South Carolina conventional mortgages: Conventional mortgages make up the majority of South Carolina home loans. They typically involve a significant down payment and require good credit. can help you compare conventional mortgage lenders in South Carolina.
  • South Carolina FHA loans: FHA loans often come with lower down payment requirements, better interest rates, and lower credit requirements because the Federal Housing Administration insures them. There is a cost for the insurance called a Mortgage Insurance Premium (MIP) that is added to the cost of the loan. These are very popular loans for first-time homebuyers and can help you compare lenders that offer FHA loans.
  • South Carolina VA loans: Retired and active duty members of the armed forces are eligible for VA loans, which are mortgages offered through traditional lenders and backed by the Department of Veterans Affairs. These loans can typically be done with no down payment, excellent interest rates, and lower credit requirements. can help you compare lenders that include VA loans as an option for buyers.

South Carolina Mortgage Rates Compared to National Averages

Mortgage rates in South Carolina generally come in right around or just slightly higher than the national average. However, the overall cost of living in South Carolina is lower than the national average, which will often offset those mortgage rates and make the Palmetto State an excellent place to call home.

When you are ready to make a move and get serious about buying a home in South Carolina, make sure that you utilize to compare lenders and find the best fit for your unique situation. Then enjoy your new home, and all that South Carolina has to offer.