Top 3 Mortgage Lenders in Gifford

South State Bank is one of the most established and respected regional banks serving South Carolina, with deep roots in the Lowcountry region near Gifford. As a community-focused institution with multiple branches throughout the state, they offer personalized mortgage services with local decision-making. Their mortgage team specializes in both primary residences and vacation properties common to the coastal areas near Gifford, with particularly strong VA and FHA loan programs. Customers consistently praise their responsive loan officers, competitive rates, and smooth closing processes.

Founded in nearby Indian Land, SC (now headquartered in Charlotte), Movement Mortgage has grown into a national lender while maintaining strong ties to South Carolina communities. They're particularly known for their innovative "Upfront Underwriting" process that can provide loan decisions within 6 hours. With extensive experience serving rural areas like Gifford, they offer specialized USDA loans and have local loan officers familiar with the Lowcountry market. Their high volume of positive reviews highlights exceptional customer service and efficient closing timelines.

As one of South Carolina's largest credit unions, SC Federal has been serving members across the state for generations, including the Gifford area. Their not-for-profit structure often allows for highly competitive rates and lower fees. They're particularly strong with first-time homebuyer programs and offer comprehensive mortgage education resources. Members consistently report excellent personalized service from local loan officers who understand the unique aspects of rural Lowcountry properties. Their community-focused approach includes special programs for teachers, healthcare workers, and other local professionals.