The Best Mortgage Lenders in Longs, SC
Compare verified mortgage lenders serving Longs, South Carolina. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Longs
Featured Mortgage Lenders
Conway National Bank Mortgage Team
Conway National Bank
As the largest community bank headquartered in the Grand Strand region, Conway National Bank has been serving the Longs area for over a century. Their mortgage team receives exceptional ratings for personalized service and local market expertise. They offer competitive rates with the advantage of local underwriting and decision-making, making them a top choice for homebuyers in Horry County. Their deep community roots and extensive experience with coastal South Carolina properties make them particularly valuable for Longs residents.
Loan Types:
Movement Mortgage
Movement Mortgage, LLC
Founded in nearby Indian Land, SC, Movement Mortgage has grown into a national lender while maintaining strong roots in the Carolinas. They receive outstanding reviews for their efficient digital mortgage process and exceptional customer service. With a strong presence throughout the Myrtle Beach metropolitan area including Longs, they offer competitive rates and specialize in streamlining the mortgage process with their proprietary technology platform. Their local loan officers understand the unique aspects of the Longs real estate market.
Loan Types:
AmeriSave Mortgage Corporation
AmeriSave Mortgage Corporation
AmeriSave is one of the nation's largest online mortgage lenders with strong service capabilities throughout South Carolina, including the Longs area. They receive high marks for competitive interest rates and efficient online application process. While operating primarily online, they maintain licensing and operations that serve Longs homeowners effectively. Their extensive experience and high volume of transactions allow them to offer some of the most competitive rates in the market, making them an excellent option for cost-conscious borrowers in the Longs community.
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Frequently Asked Questions
Common questions about mortgage lending in Longs, SC
What are the typical down payment requirements for homes in Longs, SC, and are there local programs to assist with this?
In Longs, 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 are accessible to residents in Horry County. These can be crucial in a market where saving for a down payment is a primary hurdle.
How do property types common to the Longs area, like manufactured homes on owned land, affect mortgage options?
Financing for manufactured homes in Longs is common but has specific requirements. You'll typically need an FHA, VA, or USDA loan (if eligible) as many conventional lenders have stricter rules. The home must be permanently affixed to a foundation on land you own, and be titled as real estate, not personal property, to qualify for most standard mortgage products.
Are USDA loans a viable option for mortgages in Longs, SC, given its semi-rural setting?
Yes, USDA loans are an excellent and popular option in Longs due to its USDA-eligible rural designation. These loans offer 100% financing (no down payment) for low-to-moderate income buyers purchasing a primary residence. Given Longs' location outside the dense urban core of Myrtle Beach, many properties qualify, making homeownership more accessible.
What should I know about property taxes and insurance when calculating my monthly mortgage payment in Longs?
Your mortgage payment in Longs will include escrow for Horry County property taxes and homeowners insurance. Property taxes in South Carolina are relatively low, but insurance can be a significant factor; due to the coastal proximity, wind and hail coverage may be required, potentially increasing your insurance premium compared to inland areas. Your lender will help estimate these costs.
As a first-time homebuyer in Longs, what specific local or state resources should I explore?
First-time buyers in Longs should prioritize exploring SC Housing's First-Time Homebuyer Program, which offers competitive interest rates, down payment assistance, and homebuyer education. Additionally, consulting with local lenders familiar with Horry County is key, as they can guide you through county-specific closing processes and connect you with any local grant initiatives for teachers, firefighters, or other community servants.
Nearby Cities
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Why Choose a Mortgage Lender in Longs?
Local Market Knowledge
Lenders who understand Longs'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 Longs and get competitive rates on your home loan.