The Best Mortgage Lenders in Roebuck, SC
Compare verified mortgage lenders serving Roebuck, South Carolina. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Roebuck
Featured Mortgage Lenders
Jason B. Smith
Movement Mortgage
Movement Mortgage is a top-rated national lender with strong local presence in the Spartanburg area, serving Roebuck residents with exceptional service. Jason B. Smith leads the local team with over 15 years of experience and maintains a 4.9-star rating across multiple review platforms. The company is known for fast closings, competitive rates, and excellent customer service, specializing in first-time homebuyer programs and veteran loans. Their digital mortgage process streamlines applications while maintaining personal service.
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Allen Tate Mortgage Services
Allen Tate Mortgage Services
As part of the well-established Allen Tate Companies, this mortgage lender has deep roots in the Upstate South Carolina community, including Roebuck. They maintain a 4.8-star rating with particular strength in local market knowledge and personalized service. The team specializes in guiding buyers through the entire home purchasing process with competitive loan options and local underwriting. Their long-standing relationships with local real estate professionals provide added advantages for Roebuck homebuyers.
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South Carolina Federal Credit Union
South Carolina Federal Credit Union Mortgage Department
South Carolina Federal Credit Union serves the entire Upstate region including Roebuck with highly competitive mortgage rates and exceptional member service. With an 4.7-star rating and nearly 90 years of community service, they offer significant advantages for local borrowers including lower fees and personalized attention. Their mortgage specialists provide comprehensive guidance through the entire loan process, with particular expertise in first-time homebuyer programs and local down payment assistance options available to Roebuck residents.
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Frequently Asked Questions
Common questions about mortgage lending in Roebuck, SC
Are there any special first-time homebuyer programs available specifically for Roebuck, SC residents?
Yes, Roebuck residents have access to statewide South Carolina State Housing Finance and Development Authority (SC Housing) programs, which offer competitive interest rates, down payment assistance, and mortgage credit certificates. Additionally, Spartanburg County may have local initiatives or grants, so it's beneficial to work with a lender familiar with these regional resources to maximize your benefits.
How do property taxes in Spartanburg County affect my mortgage payments in Roebuck?
Spartanburg County has relatively moderate property tax rates, which is a positive for your monthly mortgage escrow payment. For the 2023 tax year, the rate for owner-occupied homes is approximately 0.5275% of the assessed value. Your lender will calculate an estimated monthly amount for taxes and insurance to include in your total mortgage payment, ensuring you're prepared for this local cost.
What is a typical down payment needed for a home in Roebuck's market?
While 20% down is standard to avoid private mortgage insurance (PMI), many buyers in Roebuck utilize conventional loans with 3-5% down or FHA loans with 3.5% down, especially given the area's affordable home prices compared to national averages. Local lenders can also guide you on SC Housing programs that offer down payment assistance for qualified buyers.
How does Roebuck's proximity to Spartanburg influence mortgage lending and appraisals?
Appraisals in Roebuck often use comparable homes ("comps") from within the wider Spartanburg area due to the smaller number of transactions in Roebuck itself. Lenders are very familiar with this dynamic. The strong economic influence of nearby Spartanburg (home to major employers like BMW and Milliken) is viewed positively, supporting stable property values.
Are USDA rural housing loans a viable option for mortgages in Roebuck, SC?
Absolutely. Most of Roebuck and its surrounding areas are eligible for USDA Section 502 Guaranteed Loans, which offer 100% financing (no down payment) for qualified buyers and properties. This is a highly attractive program given Roebuck's semi-rural character, making homeownership more accessible with below-market interest rates and flexible credit guidelines.
Why Choose a Mortgage Lender in Roebuck?
Local Market Knowledge
Lenders who understand Roebuck'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 Roebuck and get competitive rates on your home loan.