The Best Mortgage Lenders in Easley, SC
Compare verified mortgage lenders serving Easley, South Carolina. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Easley
Featured Mortgage Lenders
Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage is a national lender with strong local roots in the Upstate South Carolina area, including their Easley branch. Founded in 2008, they've built an exceptional reputation for streamlined digital mortgage processes and local market expertise. They specialize in quick closings with their "Same-Day Processing" approach and have received numerous industry awards. Their local loan officers have deep knowledge of Easley and surrounding Pickens County real estate markets, making them a top choice for both purchase and refinance transactions.
Loan Types:
SC Federal Credit Union
South Carolina Federal Credit Union
As one of South Carolina's largest credit unions with a physical branch in Easley, SC Federal offers competitive mortgage rates and personalized service to Upstate residents. With over 85 years of community banking experience, they provide member-focused lending with local underwriting decisions. Their mortgage specialists offer comprehensive guidance through the entire homebuying process, and they're particularly strong with first-time homebuyer programs and VA loans. Their not-for-profit structure often results in lower fees and better terms for qualified borrowers.
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PrimeLending
PrimeLending, A PlainsCapital Company
PrimeLending has a strong presence in the Greenville-Easley metropolitan area with local loan officers who specialize in serving Upstate South Carolina homebuyers. Founded in 1991, they offer a comprehensive range of mortgage products with competitive rates and excellent customer service. Their local team has extensive knowledge of the Easley market and provides personalized guidance through the entire lending process. They're particularly noted for their renovation loan expertise and flexible underwriting approaches, making them a popular choice for both conventional and government-backed loans in the area.
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Frequently Asked Questions
Common questions about mortgage lending in Easley, SC
Are there any special down payment assistance programs for first-time homebuyers in Easley, SC?
Yes, Easley homebuyers can access South Carolina's statewide SC Housing Homebuyer Program, which offers down payment assistance in the form of a forgivable second mortgage. Additionally, some local lenders and credit unions may offer specific programs or grants for Pickens County residents. It's advisable to work with a mortgage broker familiar with these local and state resources.
How do Easley's property taxes affect my monthly mortgage payment?
Pickens County, where Easley is located, has relatively moderate property tax rates. For the 2023 tax year, the combined rate for Easley city and Pickens County is approximately 0.57%. This means on a $300,000 home, you can expect annual taxes around $1,710, which will be included in your monthly escrow payment. This is generally lower than many other metropolitan areas in South Carolina.
What is the typical timeframe for mortgage approval and closing on a home in Easley's current market?
In Easley's competitive market, a typical mortgage approval takes 30-45 days from application to closing. It's crucial to get fully pre-approved before house hunting, as sellers often prioritize buyers with solid financing ready. Working with a local lender who understands the area's title companies and appraisal process can help ensure a smooth and timely closing.
Are USDA rural development loans available for homes in Easley, SC?
Yes, many areas in and around Easley are eligible for USDA loans, which offer 100% financing with no down payment. Specific eligibility is determined by the USDA's property eligibility map, and numerous neighborhoods in Easley qualify due to its designation. This can be an excellent option for eligible buyers looking in this market.
How does Easley's growth and proximity to Greenville impact mortgage lending and appraisals?
Easley's status as part of the growing Greenville-Anderson-Mauldin metro area means appraisals must carefully consider comparable sales in a dynamic market. Rapid development can sometimes lead to appraisal gaps if prices rise quickly. Lenders familiar with the Upstate SC market will use appraisers who understand the local trends, ensuring your loan is based on accurate, current valuations for Easley and its surrounding communities.
Why Choose a Mortgage Lender in Easley?
Local Market Knowledge
Lenders who understand Easley'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 Easley and get competitive rates on your home loan.