The Best Mortgage Lenders in Cross Hill, SC
Compare verified mortgage lenders serving Cross Hill, South Carolina. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Cross Hill
Featured Mortgage Lenders
Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage is a top-rated lender headquartered in Fort Mill, SC, with a strong presence in the Cross Hill area. Known for its "More Movement" initiative that prioritizes customer service and community engagement, they offer competitive rates and a streamlined digital mortgage process. With numerous awards for customer satisfaction and a focus on local relationships, they provide personalized service for first-time homebuyers and investors alike, backed by high ratings for reliability and fast closings.
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Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation is a highly reputable lender with a local branch in Greenville that serves Cross Hill residents. They are celebrated for their exceptional customer service, competitive loan options, and extensive experience in the South Carolina market. With a commitment to transparency and education, they guide clients through every step of the mortgage process, earning consistent high ratings for their responsiveness, integrity, and ability to handle complex loan scenarios.
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New American Funding
New American Funding, LLC
New American Funding is a nationally recognized lender with a strong regional presence in South Carolina, including service to Cross Hill. They are praised for their diverse loan programs, efforts to support underserved communities, and user-friendly online tools. With a focus on competitive rates and personalized service, they have built a reputation for reliability and customer satisfaction, offering bilingual support and a variety of mortgage solutions tailored to individual needs.
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Frequently Asked Questions
Common questions about mortgage lending in Cross Hill, SC
What are typical down payment requirements for homes in Cross Hill, SC, given the local market?
In Cross Hill's more rural and affordable market, many conventional loans are available with down payments as low as 3-5%. For eligible buyers, USDA loans are a popular option as they offer 100% financing with no down payment, which is highly applicable given the area's USDA-eligible designation. Local lenders are familiar with these programs and can guide you based on the specific property location.
Are there any first-time homebuyer assistance programs specific to Laurens County or Cross Hill?
Yes, the South Carolina State Housing Finance and Development Authority (SC Housing) offers statewide programs accessible to Cross Hill buyers, including down payment assistance and competitive first mortgage rates. Additionally, it's worth checking with local credit unions like Laurens Federal Credit Union, as they sometimes offer special programs or grants for first-time buyers in the community.
How do property types common in Cross Hill, like land or manufactured homes, affect mortgage options?
Financing for manufactured homes placed on owned land is available through specialized lenders offering FHA, VA, or USDA loans, provided the home meets certain criteria. For purchasing vacant land, construction-to-permanent loans are common, but financing raw land alone typically requires a larger down payment (often 20-50%) through a local bank familiar with rural property.
What should I know about property taxes and insurance when calculating my mortgage payment in Cross Hill?
Laurens County property taxes are relatively low, which helps keep overall monthly payments affordable. For insurance, due to the rural setting, lenders will require homeowners insurance, and if the property has a well and septic system, you may need to consider additional water quality tests or specific coverage, which your lender can help factor into your escrow account.
Are mortgage rates in Cross Hill different from larger South Carolina cities, and how can I get the best rate?
Mortgage rates are generally set nationally, but your final rate depends on your credit profile and the lender. Working with a local lender or broker who understands the Cross Hill market can be advantageous, as they may have relationships with community banks or credit unions that offer competitive terms for rural properties. Comparing offers from both local and online lenders is always recommended.
Nearby Cities
Explore mortgage lenders in cities near Cross Hill, SC
Why Choose a Mortgage Lender in Cross Hill?
Local Market Knowledge
Lenders who understand Cross Hill's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in South Carolina.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Cross Hill and get competitive rates on your home loan.