The Best Mortgage Lenders in Harleyville, SC
Compare verified mortgage lenders serving Harleyville, South Carolina. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Harleyville
Featured Mortgage Lenders
South Carolina Federal Credit Union
South Carolina Federal Credit Union
South Carolina Federal Credit Union is one of the most highly-rated mortgage lenders serving the Harleyville area, with multiple branches throughout the Lowcountry region. They have built an exceptional reputation for personalized service and competitive rates, particularly for first-time homebuyers and military families. Their local expertise in the rural and suburban markets around Harleyville makes them a top choice, offering comprehensive guidance through the entire mortgage process with dedicated loan officers who understand the specific needs of Dorchester County residents.
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Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage has established a strong presence throughout South Carolina, including reliable service to the Harleyville area. Founded in nearby Indian Land, SC, they bring deep local market knowledge combined with efficient digital processes. Their reputation for fast closings and excellent customer service makes them particularly attractive for buyers in competitive markets. Movement's commitment to community involvement and their streamlined approval process have earned them numerous industry awards and high customer satisfaction ratings across the Lowcountry region.
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First Citizens Bank
First Citizens Bank & Trust Company
First Citizens Bank has been serving South Carolina communities for over 50 years with a strong branch presence in Summerville, just 20 minutes from Harleyville. They offer exceptional local expertise in rural and small-town mortgage lending, with loan officers who have extensive experience working with Harleyville residents. Their construction and lot loan programs are particularly valuable for the growing Harleyville market, and their relationship-based approach ensures personalized service throughout the homebuying process. The bank's stability and long-standing community commitment make them a trusted choice for mortgage financing.
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Frequently Asked Questions
Common questions about mortgage lending in Harleyville, SC
Are there any special mortgage programs for first-time homebuyers in Harleyville, SC?
Yes, South Carolina Housing offers the Palmetto Home Advantage program, which provides down payment assistance and competitive interest rates, and is available to eligible buyers in Harleyville. Additionally, some local lenders may offer portfolio loans or grants tailored for buyers in Dorchester County, where Harleyville is located. It's advisable to work with a lender familiar with these state and local resources.
How do property taxes in Dorchester County impact my monthly mortgage payment in Harleyville?
Dorchester County has relatively moderate property tax rates compared to more urban areas of South Carolina. Your lender will calculate an escrow payment for taxes as part of your monthly mortgage payment, and rates can vary slightly between the county and any municipal services. It's important to get a precise tax estimate for your specific property, as this directly affects your total monthly housing cost.
What is the typical down payment required for a mortgage on a home in Harleyville's rural market?
While 20% down is standard to avoid private mortgage insurance (PMI), many buyers in Harleyville utilize programs like USDA Rural Development loans, which offer 0% down payment options for eligible properties and borrowers in this designated rural area. FHA loans with 3.5% down are also common, especially for first-time buyers looking at more modestly priced homes in the community.
Are USDA loans a good option for buying a home in Harleyville, and what are the eligibility requirements?
USDA loans are an excellent option for Harleyville, as the entire area is eligible for the USDA Rural Development program. These loans offer 100% financing, competitive rates, and lower mortgage insurance. Eligibility is based on the property meeting USDA location guidelines, the buyer's income falling within set limits for Dorchester County, and the home being used as a primary residence.
How does Harleyville's proximity to Charleston and Summerville affect mortgage lending and appraisals?
While Harleyville has its own rural character, appraisals may be influenced by comparable sales in nearby growing areas like Summerville, which can support property values. Lenders are familiar with this dynamic and will use comps from a reasonable geographic radius. Furthermore, buyers who work in Charleston but want a more affordable, rural lifestyle often seek mortgages in Harleyville, making pre-approval based on commute and employment stability important.
Nearby Cities
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Why Choose a Mortgage Lender in Harleyville?
Local Market Knowledge
Lenders who understand Harleyville'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 Harleyville and get competitive rates on your home loan.