The Best Mortgage Lenders in Piedmont, SC
Compare verified mortgage lenders serving Piedmont, South Carolina. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Piedmont
Featured Mortgage Lenders
Casey Fleming
Movement Mortgage
Movement Mortgage is a top-rated national lender with a strong local presence in the Greenville/Piedmont area. Casey Fleming and his team have exceptional customer satisfaction ratings with nearly 300 reviews. They specialize in fast, efficient mortgage processing with a focus on first-time homebuyers and experienced purchasers alike. Their digital mortgage platform and personalized service make them a preferred choice throughout the Upstate region.
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Brandon Bryant
PrimeLending Upstate
PrimeLending's Upstate South Carolina office, led by Brandon Bryant, has built an outstanding reputation for competitive rates and exceptional customer service in the Piedmont area. With deep local market knowledge and a comprehensive range of loan products, they specialize in making the mortgage process smooth and understandable. Their team has particular expertise with VA loans and first-time homebuyer programs, earning consistent 5-star reviews from local clients.
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Mortgage Services
SC Federal Credit Union
SC Federal Credit Union has been serving the Piedmont and greater Greenville community for over 70 years, offering competitive mortgage rates and personalized service. As a member-owned financial institution, they prioritize member satisfaction over profit, resulting in highly competitive rates and fees. Their mortgage team provides comprehensive guidance through the entire homebuying process, with special expertise in local market conditions and community-specific lending programs.
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Frequently Asked Questions
Common questions about mortgage lending in Piedmont, SC
Are there any special mortgage considerations for buying a home in Piedmont, SC, given its location between Greenville and the lakes?
Yes, lenders will pay close attention to flood zone designations, especially for properties near the Saluda River or Lake Hartwell. Even if not in a high-risk zone, you may be required to purchase flood insurance, which can impact your total monthly payment. It's also wise to get a thorough inspection for moisture or foundation issues common in the area's clay-rich soil.
What are the current mortgage rates like for Piedmont, SC, and how do they compare to the national average?
Mortgage rates in Piedmont typically align closely with national averages, but local credit unions like SC State Credit Union or Founders Federal Credit Union often offer competitive, slightly lower rates to members. As of recent trends, rates in the Upstate region are competitive, but it's crucial to shop around with both local and national lenders to secure the best deal for your financial profile.
Are there any first-time homebuyer programs in South Carolina that are particularly useful for Piedmont buyers?
Absolutely. The SC State Housing Finance and Development Authority (SC Housing) offers several programs, including down payment assistance and favorable mortgage rates for first-time buyers. These programs have income and purchase price limits, which are quite attainable for many Piedmont buyers given the area's relatively affordable housing market compared to downtown Greenville.
How does the appraisal process work in Piedmont's unique market, where older mill homes and new constructions coexist?
Appraisals in Piedmont can be challenging due to the mix of historic mill village homes and newer subdivisions. An appraiser must find accurate comparable sales ("comps"), which may require looking at a wider geographic area within the Golden Strip or nearby Powdersville. This makes choosing a lender familiar with the local market essential for a smooth and accurate valuation.
What is the typical down payment required for a conventional loan on a home in Piedmont, SC?
While 20% down is ideal to avoid private mortgage insurance (PMI), many lenders in the area approve conventional loans with as little as 3-5% down for well-qualified buyers. Given Piedmont's median home price, this allows for a manageable down payment amount. However, a higher down payment will strengthen your offer in a competitive market and reduce your long-term costs.
Why Choose a Mortgage Lender in Piedmont?
Local Market Knowledge
Lenders who understand Piedmont'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 Piedmont and get competitive rates on your home loan.