The Best Mortgage Lenders in Sellers, SC
Compare verified mortgage lenders serving Sellers, South Carolina. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Sellers
Featured Mortgage Lenders
Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage is a top-rated lender headquartered in South Carolina, known for its strong local presence and exceptional customer service. With an A+ BBB rating and high praise for streamlined processes, they specialize in quick closings and personalized service. Their deep community involvement in SC and competitive rate offerings make them a trusted choice for homeowners in Sellers and surrounding areas.
Loan Types:
Fairway Independent Mortgage
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage has built a reputation for reliability and customer satisfaction, with numerous awards for service excellence. They offer a wide range of loan products and are praised for their knowledgeable loan officers and competitive rates. Their regional office in Columbia ensures accessible service for Sellers residents, backed by decades of experience and strong local referrals.
Loan Types:
Guaranteed Rate
Guaranteed Rate, Inc.
Guaranteed Rate is a nationally recognized lender with a strong regional presence in South Carolina, known for its innovative technology and transparent rate quoting. They excel in providing efficient online and in-person services, with high customer ratings for communication and closing speed. Their Greenville office serves the Sellers area effectively, offering competitive rates and a variety of loan options tailored to local needs.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Sellers, SC
What are the typical down payment requirements for homes in Sellers, SC, and are there local programs to assist with this?
In Sellers, typical down payments range from 3% for conventional loans to 3.5% for FHA loans. For eligible buyers, the SC State Housing Finance and Development Authority (SC Housing) offers down payment assistance programs, such as grants and forgivable second mortgages, which can be particularly helpful in a market with more affordable home prices like Sellers.
How does the rural nature of Sellers, SC, affect my mortgage options?
Sellers qualifies as a rural area under USDA guidelines, making USDA Rural Development loans a key option. These loans offer 100% financing (no down payment) and competitive rates for eligible borrowers with moderate incomes, which is a significant advantage for buyers in this specific market.
Are property taxes in Sellers, SC, typically factored into my mortgage payment, and how do they compare?
Yes, property taxes are usually escrowed as part of your monthly mortgage payment. Marion County, where Sellers is located, has relatively low property tax rates compared to national and state averages. Your lender will use the county's millage rate to estimate this cost, which helps keep overall housing payments affordable.
What should I know about getting a mortgage for a manufactured home in Sellers?
Given the prevalence of manufactured homes in the area, it's important to know that financing them often requires an FHA Title I or a conventional loan if the home is permanently affixed to a owned lot and meets HUD code. Not all lenders in the region handle these loans, so you'll need to work with a local mortgage professional experienced in this specific property type.
As a first-time homebuyer in Sellers, are there any special SC mortgage programs I should prioritize?
Absolutely. First-time buyers should strongly consider the SC Housing Homebuyer Program, which provides competitive fixed-rate mortgages paired with down payment assistance. Given Sellers' median income levels, many residents will qualify for these favorable terms, which include mortgage credit certificates for potential tax savings.
Why Choose a Mortgage Lender in Sellers?
Local Market Knowledge
Lenders who understand Sellers'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 Sellers and get competitive rates on your home loan.