The Best Mortgage Lenders in Huger, SC
Compare verified mortgage lenders serving Huger, South Carolina. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Huger
Featured Mortgage Lenders
Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage is a top-rated national lender with strong South Carolina roots and headquarters in Charlotte, NC. They specialize in fast closings with their proprietary process and have extensive experience serving the Greater Charleston area including Huger. Their high rating reflects exceptional customer service, competitive rates, and efficient digital mortgage experience. As one of the largest mortgage lenders in the Southeast, they offer comprehensive loan programs with local processing teams familiar with Berkeley County's unique housing market.
Loan Types:
Lowcountry Investment and Mortgage
Lowcountry Investment and Mortgage, Inc.
This highly-rated local mortgage broker has been serving the Lowcountry region for over two decades, with specific expertise in Berkeley County communities like Huger. They consistently receive 5-star reviews for personalized service, local market knowledge, and competitive pricing. As a mortgage broker, they have access to multiple lenders and can shop rates on behalf of clients. Their team has deep roots in the Charleston metropolitan area and understands the unique aspects of rural and suburban properties in Huger.
Loan Types:
South Carolina Federal Credit Union
South Carolina Federal Credit Union
As one of South Carolina's largest credit unions, SC Federal has been serving members across the state for over 70 years, including the Huger community. They offer competitive mortgage rates with flexible terms and exceptional member service. Their local branch network throughout the Charleston area provides convenient in-person service, while their digital mortgage platform offers streamlined online applications. The credit union is known for its community-focused approach and consistently high customer satisfaction ratings for mortgage lending.
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Frequently Asked Questions
Common questions about mortgage lending in Huger, SC
What are the typical down payment requirements for homes in Huger, SC, and are there local programs to assist with this?
In Huger, typical down payments range from 3% for conventional loans to 3.5% for FHA loans. For eligible buyers, the South Carolina State Housing Finance and Development Authority (SC Housing) offers down payment assistance programs, including forgivable second mortgages, which can be particularly helpful in Berkeley County. It's also wise to check with local lenders familiar with Huger's rural-adjacent market for any specific credit union or bank programs.
How does Huger's location in a coastal county affect mortgage requirements, like flood insurance?
Since Huger is in Berkeley County and near the Francis Marion National Forest and coastal watersheds, many properties are in designated flood zones. Lenders will require a flood elevation certificate and mandatory flood insurance as a condition of the mortgage, which adds a significant ongoing cost to your monthly payment. It's crucial to factor this into your budget and work with an insurance agent experienced in the local flood maps.
Are USDA rural housing loans available for homes in Huger, SC?
Yes, Huger is eligible for USDA Section 502 Guaranteed Loans, which offer 100% financing (no down payment) for qualified buyers and properties. This is a major advantage for the area, as it's designated rural by the USDA. To qualify, your household income must meet certain limits for Berkeley County, and the home must be your primary residence.
What is the property tax situation in Huger, and how does it impact my mortgage payment?
Property taxes in Huger fall under Berkeley County rates, which are relatively moderate for South Carolina. Your lender will estimate these taxes and include them in your monthly escrow payment. It's important to note that while Huger itself is unincorporated, some properties may be subject to additional special tax districts or fees for services, which your title company should identify during closing.
As a first-time homebuyer in Huger, what local or state resources should I explore?
First-time buyers in Huger should prioritize the SC Housing First-Time Homebuyer Program, which offers competitive interest rates, down payment assistance, and homebuyer education. Additionally, the Berkeley County Rural Development Office can provide information on USDA loans. Connecting with a HUD-approved housing counseling agency in the Charleston area can also provide personalized guidance for navigating the Huger market.
Why Choose a Mortgage Lender in Huger?
Local Market Knowledge
Lenders who understand Huger'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 Huger and get competitive rates on your home loan.