The Best Mortgage Lenders in Johnsonville, SC
Compare verified mortgage lenders serving Johnsonville, South Carolina. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Johnsonville
Featured Mortgage Lenders
Scott McLeod
Movement Mortgage
Movement Mortgage is a nationally recognized lender with strong roots in South Carolina and excellent service throughout the Pee Dee region, including Johnsonville. Founded in 2008, they've built an outstanding reputation for fast closings, competitive rates, and exceptional customer service. Their local Florence office provides personalized service with deep knowledge of Johnsonville's rural housing market and USDA loan programs. With nearly 500 reviews averaging 4.9 stars, they consistently receive praise for their efficient process, transparent communication, and expertise with first-time homebuyer programs.
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Chris Brown
South State Bank Mortgage
South State Bank has been serving the Johnsonville community for decades through their strong regional presence in the Pee Dee area. As one of the largest banks headquartered in South Carolina, they offer comprehensive mortgage services with local decision-making. Their Florence-based mortgage team has extensive experience with rural properties and agricultural lending common in Johnsonville. With over 300 reviews and a 4.8 rating, customers consistently praise their competitive rates, local expertise, and the convenience of having both banking and mortgage services under one roof.
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Michael Driggers
First Reliance Bank Mortgage
First Reliance Bank is a South Carolina-based community bank with deep roots in the Florence County area and strong service to Johnsonville residents. Their mortgage team specializes in understanding the unique needs of rural homebuyers and offers personalized service with local underwriting. Founded in 1999, they've built a reputation for flexible lending solutions and community-focused approach. With nearly 200 reviews averaging 4.7 stars, customers highlight their responsive communication, knowledge of local market conditions, and ability to handle complex rural property transactions efficiently.
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Frequently Asked Questions
Common questions about mortgage lending in Johnsonville, SC
Are there any special mortgage programs for first-time homebuyers in Johnsonville, SC?
Yes, the South Carolina State Housing Finance and Development Authority (SC Housing) offers several programs, including down payment assistance and competitive fixed-rate mortgages, which are accessible to Johnsonville residents. Additionally, local lenders often have knowledge of USDA Rural Development loans, which are highly relevant for the Johnsonville area due to its rural designation and can offer 100% financing.
How does Johnsonville's rural location affect my mortgage options and property eligibility?
Johnsonville's rural setting makes many homes eligible for USDA Rural Development loans, a significant advantage with no down payment required. However, it may also mean fewer local bank branches, so working with a lender experienced in rural South Carolina markets who can handle remote processing is beneficial. Property types like manufactured homes on owned land are also common and have specific financing guidelines.
What are typical closing costs for a mortgage in Florence County, where Johnsonville is located?
In Florence County, closing costs typically range from 2% to 5% of the home's purchase price. These include county-specific fees like recording fees and transfer taxes, along with standard lender and third-party charges. It's advisable to get a detailed Loan Estimate from local lenders, as costs can vary slightly between the county seat in Florence and the Johnsonville area.
Is homeowner's flood insurance a mandatory requirement for mortgages in Johnsonville?
Due to Johnsonville's proximity to the Great Pee Dee River, Lynches River, and surrounding wetlands, flood insurance is frequently required by lenders. Your mortgage provider will order a flood zone determination; if the property is in a Special Flood Hazard Area (SFHA), you must purchase a policy. Even if not mandatory, given local flood risks, it is highly recommended for financial protection.
How do property tax rates in Johnsonville impact my monthly mortgage payment?
Property taxes in Johnsonville and Florence County are relatively moderate for South Carolina, with combined rates typically around 0.6% to 0.7% of the home's assessed value. Your lender will calculate an estimated monthly amount for escrow, which includes these taxes along with insurance. It's important to note that tax rates can differ between the city limits and the unincorporated county areas.
Why Choose a Mortgage Lender in Johnsonville?
Local Market Knowledge
Lenders who understand Johnsonville'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 Johnsonville and get competitive rates on your home loan.