The Best Mortgage Lenders in Ruby, SC
Compare verified mortgage lenders serving Ruby, South Carolina. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Ruby
Featured Mortgage Lenders
Chris Kyles
Movement Mortgage
Movement Mortgage has established itself as one of the top mortgage lenders serving the Ruby area with their Rock Hill location just 15 miles away. Chris Kyles maintains exceptional 4.9-star ratings across multiple platforms with nearly 200 reviews praising his responsiveness, expertise with rural properties, and competitive rates. The company specializes in serving first-time homebuyers and rural home purchases common in Chesterfield County, with particular expertise in USDA loans ideal for Ruby's location. Their streamlined process and local underwriting team ensure quick closings while maintaining personalized service.
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Jason Gardner
South State Bank Mortgage
South State Bank has deep roots in the Pee Dee region with their Cheraw branch located just 8 miles from Ruby. Jason Gardner and his team specialize in rural and small-town mortgages with extensive experience serving Chesterfield County residents. The bank maintains 4.8-star ratings for their mortgage department with particular praise for their construction loan expertise and personalized service. As a regional bank with local decision-making authority, they offer competitive rates and understand the unique aspects of rural property financing. Their long history and community banking approach make them a trusted choice for Ruby area homebuyers.
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Mark Stroup
Academy Mortgage Corporation
Academy Mortgage's Charlotte office actively serves the Ruby, SC area with Mark Stroup bringing nearly two decades of mortgage experience. With strong 4.7-star ratings across review platforms, Mark specializes in rural property financing and first-time homebuyer programs. The company is particularly noted for their expertise with USDA loans, which are ideal for the Ruby area, and their ability to close loans quickly with in-house processing. Despite being based in Charlotte, they have extensive experience serving the South Carolina border communities and maintain competitive rates that often beat local competitors while providing exceptional customer service and guidance throughout the mortgage process.
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Frequently Asked Questions
Common questions about mortgage lending in Ruby, SC
Are there any special mortgage programs for first-time homebuyers in Ruby, SC?
Yes, South Carolina Housing offers the Palmetto Home Advantage program, which provides down payment assistance and competitive interest rates. This is particularly valuable in Ruby, where median home prices are often more accessible than in larger metros, allowing local buyers to maximize their purchasing power with minimal upfront cash.
How do property taxes in Chesterfield County affect my monthly mortgage payment in Ruby?
Chesterfield County has relatively low property tax rates, which is a significant benefit for Ruby homeowners. When calculating your escrow payment for your mortgage, you can expect this lower tax burden to help keep your total monthly payment more affordable compared to many other areas in South Carolina.
What is a typical down payment needed for a home in Ruby's market?
While 20% down is ideal to avoid mortgage insurance, many local lenders in the Ruby/Chesterfield area work with buyers using conventional loans with as little as 3-5% down or FHA loans with 3.5% down. This is practical given the area's more moderate home prices, making homeownership accessible without a massive initial savings.
Does living in a rural town like Ruby qualify me for a USDA mortgage?
Absolutely. Most of Chesterfield County, including Ruby, is eligible for USDA Rural Development loans, which offer 100% financing (no down payment). This is one of the most advantageous programs for eligible buyers in Ruby, as it directly supports homeownership in designated rural areas.
How does the appraisal process work for a home in a small, rural town like Ruby?
Appraisals in Ruby can be challenging due to fewer recent comparable sales ("comps"). It's crucial to work with a lender experienced in rural markets who can ensure the appraiser uses appropriate comparables, potentially from similar nearby towns like Chesterfield or Jefferson. This helps prevent delays or issues with the home's valuation.
Nearby Cities
Explore mortgage lenders in cities near Ruby, SC
Why Choose a Mortgage Lender in Ruby?
Local Market Knowledge
Lenders who understand Ruby'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 Ruby and get competitive rates on your home loan.