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Jonesville, SC

The Best Mortgage Lenders in Jonesville, SC

Compare verified mortgage lenders serving Jonesville, South Carolina. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.

3
Top Lenders
4.8
Avg Rating
1120+
Reviews
11
Loan Types

Available Loan Programs in Jonesville

Conventional
FHA
VA
USDA
Jumbo
Refinance
Construction
First-time Homebuyer
Home Equity
Renovation
Down Payment Assistance

Featured Mortgage Lenders

1

First Citizens Bank Mortgage

First Citizens Bank

★★★★☆
4.8/5

First Citizens Bank has been serving South Carolina communities for over a century with a strong local presence throughout the Upstate region. As one of the most established financial institutions in the area, they offer comprehensive mortgage solutions with personalized service. Their experienced loan officers understand the unique needs of Jonesville and surrounding Spartanburg County residents. With competitive rates and a wide range of loan products including specialized rural housing programs suitable for the Jonesville area, they maintain exceptional customer satisfaction ratings and deep community roots.

Experience:125 years
Reviews:450 customer reviews
180 Magnolia Street, Spartanburg, SC 29306

Loan Types:

ConventionalFHAVAUSDAJumboRefinanceConstruction
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2

Founders Federal Credit Union Mortgage

Founders Federal Credit Union

★★★★☆
4.7/5

Founders Federal Credit Union has been a trusted mortgage lender in the Spartanburg region for decades, serving members throughout the Upstate including Jonesville residents. As a member-owned cooperative, they consistently offer competitive rates and lower fees than many traditional banks. Their mortgage specialists provide personalized guidance through the entire home financing process, with particular expertise in first-time homebuyer programs and government-backed loans. With multiple branches throughout the region and excellent member service ratings, they've built a reputation for making homeownership accessible and affordable.

Experience:70 years
Reviews:380 customer reviews
700 N Pine Street, Spartanburg, SC 29303

Loan Types:

ConventionalFHAVAUSDAFirst-time HomebuyerRefinanceHome Equity
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3

Guild Mortgage Company - Spartanburg

Guild Mortgage Company

★★★★☆
4.9/5

Guild Mortgage's Spartanburg branch serves the Jonesville area with exceptional dedication and expertise. As a nationwide lender with strong local presence, they combine the resources of a large mortgage company with personalized community-focused service. They are particularly renowned for their extensive down payment assistance programs and flexible underwriting, making them an excellent choice for buyers in the Jonesville market. Their loan officers have deep knowledge of local real estate conditions and consistently receive top ratings for communication, responsiveness, and closing efficiency. Guild has received multiple industry awards for customer satisfaction and innovative lending solutions.

Experience:60 years
Reviews:290 customer reviews
945 E Main Street, Spartanburg, SC 29302

Loan Types:

ConventionalFHAVAUSDAJumboRefinanceRenovationDown Payment Assistance
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Frequently Asked Questions

Common questions about mortgage lending in Jonesville, SC

Are there any special first-time homebuyer programs available specifically for Jonesville, SC?

While South Carolina offers statewide programs like SC Housing's Palmetto Home Advantage, Jonesville residents can also benefit from local down payment assistance initiatives sometimes offered through the Spartanburg County government or local lenders. It's advisable to consult with a mortgage lender familiar with the Upstate region to explore all available grants and forgivable loans tailored to the local market.

How do property taxes in Jonesville, SC, affect my monthly mortgage payment?

Property taxes in Jonesville (Spartanburg County) are relatively moderate compared to national averages, which helps keep overall monthly payments affordable. The county millage rate, combined with the city rate, will determine your escrow portion. Your lender will calculate this based on the assessed value of the home you're purchasing, which is a key factor in your total PITI (Principal, Interest, Taxes, Insurance) payment.

What is the typical down payment needed for a home in Jonesville's market?

In Jonesville's competitive but more affordable market, many conventional loans are available with down payments as low as 3-5%. For the area's median home price, this translates to a manageable upfront cost. USDA Rural Development loans are also a popular zero-down-payment option here, as much of the town and surrounding area qualifies for this program due to its rural designation.

Are USDA loans a common and good option for mortgages in Jonesville, SC?

Yes, USDA loans are an excellent and frequently used option in Jonesville because the entire area is eligible for the USDA Rural Development program. This allows eligible buyers to purchase a home with no down payment, which is a significant advantage in this market. It's a key program to discuss with local lenders who are experienced in processing these specific loans.

How does Jonesville's proximity to Spartanburg and I-85 influence mortgage lending or appraisal values?

Jonesville's location near the I-85 corridor and larger employment centers like Spartanburg is a positive factor for appraisals and long-term value, as it offers a rural feel with commuting access. Lenders and appraisers recognize this, which can support stable property values. This accessibility can also be a favorable point when applying for a mortgage, as it indicates a sustainable community with a steady demand for housing.

Nearby Cities

Explore mortgage lenders in cities near Jonesville, SC

Why Choose a Mortgage Lender in Jonesville?

Local Market Knowledge

Lenders who understand Jonesville'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 Jonesville and get competitive rates on your home loan.