The Best Mortgage Lenders in Greenville, SC
Compare verified mortgage lenders serving Greenville, South Carolina. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Greenville
Featured Mortgage Lenders
Movement Mortgage
Movement Mortgage
Movement Mortgage is a highly-rated lender headquartered near Greenville in Fort Mill, SC, with a strong local presence and extensive experience serving the Upstate South Carolina region. Known for competitive rates, exceptional customer service, and a streamlined digital mortgage process, they specialize in various loan types including first-time homebuyer programs. Their high review counts and 4.9 rating reflect consistent customer satisfaction and reliability in the Greenville area.
Loan Types:
Fairway Independent Mortgage
Fairway Independent Mortgage
Fairway Independent Mortgage has a well-established branch in Greenville, offering a wide range of loan products with a focus on personalized service and competitive rates. With over 28 years in business and high customer ratings, they are recognized for their expertise in local market conditions and commitment to community involvement. Their strong review base and 4.8 rating highlight their reliability and customer-centric approach in the Greenville region.
Loan Types:
New American Funding
New American Funding
New American Funding operates a dedicated branch in Greenville, providing diverse mortgage solutions with an emphasis on affordability and customer education. Founded in 2003, they have built a reputation for inclusive lending practices and strong local support, earning a 4.7 rating from numerous reviews. Their experience and focus on competitive products make them a top choice for homebuyers in the Greenville area, with a track record of high satisfaction and community engagement.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Greenville, SC
What are the current mortgage rates like in Greenville, SC, and how do they compare to national averages?
Mortgage rates in Greenville typically align closely with national averages, but local competition among lenders can sometimes lead to slightly more favorable terms. As of recent trends, Greenville's strong, growing economy and steady housing demand mean rates are competitive. It's always wise to compare offers from local credit unions, regional banks, and national lenders operating in the Upstate.
Are there any special down payment assistance programs for first-time homebuyers in Greenville?
Yes, the South Carolina State Housing Finance and Development Authority (SC Housing) offers several programs, like the Palmetto Home Advantage, which are widely used in Greenville. These can provide down payment assistance, favorable interest rates, and tax credits. Additionally, some local municipalities and employers may offer specific incentives for buying in certain neighborhoods or for essential workers.
How does Greenville's rapid growth and competitive housing market affect the mortgage pre-approval process?
In Greenville's fast-moving market, a strong pre-approval letter from a reputable local lender is essential to make competitive offers. Sellers often prioritize buyers with local pre-approvals as they are familiar with area appraisals and can close quickly. Given frequent multiple-offer situations, having your financing fully vetted and ready is a significant advantage.
Are there specific mortgage considerations for buying in Greenville's historic neighborhoods, like the North Main or West End?
Yes, purchasing in Greenville's historic districts may involve additional steps. Some properties may qualify for special renovation loans like the FHA 203(k) or require specific inspections. It's crucial to work with a lender experienced in these areas, as appraisals can be more complex due to the unique character of the homes and potential preservation guidelines.
What is the typical property tax rate in Greenville County, and how does it impact monthly mortgage payments?
Property tax rates in Greenville County are relatively moderate for South Carolina, currently around 0.57% to 0.60% of the assessed value for primary residences (including county, municipal, and school rates). This cost is included in your monthly escrow payment and is a key factor in calculating your total housing payment, making Greenville an attractive option compared to many other metropolitan areas.
Why Choose a Mortgage Lender in Greenville?
Local Market Knowledge
Lenders who understand Greenville'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 Greenville and get competitive rates on your home loan.