The Best Mortgage Lenders in Taylors, SC
Compare verified mortgage lenders serving Taylors, South Carolina. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Taylors
Featured Mortgage Lenders
Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage is a highly-rated lender headquartered in Fort Mill, SC, with a strong local presence in the Greenville-Taylors area. Known for their "On-Time Closing Guarantee," competitive rates, and exceptional customer service, they specialize in a wide range of loan products and have a reputation for streamlining the mortgage process. Their community involvement and numerous positive reviews highlight their reliability and commitment to homebuyers in Upstate South Carolina.
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Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage is a nationally recognized lender with a robust local branch in Greenville serving Taylors residents. They are praised for their personalized service, extensive loan options, and competitive rates. With decades of experience, they excel in guiding clients through complex mortgage scenarios, including first-time homebuyer programs, and have a track record of high customer satisfaction and timely closings in the South Carolina market.
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New American Funding
New American Funding, LLC
New American Funding is a top-rated lender with a dedicated Greenville office that actively serves the Taylors community. They are known for their diverse loan portfolio, including options for low-to-moderate income borrowers, and their efficient online tools. With a focus on customer education and support, they have built a strong reputation for transparency, competitive pricing, and helping clients achieve homeownership with minimal stress.
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Frequently Asked Questions
Common questions about mortgage lending in Taylors, SC
What are the current mortgage rates like in Taylors, SC, and how do they compare to the national average?
Mortgage rates in Taylors, SC, typically align closely with national averages, but local lenders may offer competitive variations. As of recent trends, rates in the Greenville County area, including Taylors, are often slightly more favorable than in larger metropolitan areas due to a competitive banking environment. It's advisable to compare offers from local credit unions, regional banks, and national lenders to secure the best rate.
Are there any down payment assistance programs specifically for first-time homebuyers in Taylors?
Yes, first-time homebuyers in Taylors can access South Carolina State Housing Finance and Development Authority (SC Housing) programs, which offer down payment assistance and favorable loan terms. Additionally, Greenville County and the City of Greenville may have local initiatives or grants; consulting with a local mortgage broker familiar with Taylors is key to identifying all available assistance for your purchase.
How does Taylors' location within the Greenville metro area affect property taxes and insurance costs in my mortgage calculation?
Taylors is in Greenville County, which has its own millage rate for property taxes; these rates are generally moderate compared to national averages but are a key component of your monthly escrow payment. Homeowners insurance in Taylors can be influenced by its suburban setting, often being more affordable than in coastal SC, but it's wise to get localized quotes as part of your mortgage budgeting process.
What type of property appraisal challenges are common for mortgages in Taylors' diverse housing market?
Taylors features a mix of older established homes, newer subdivisions, and rural properties, which can lead to appraisal challenges in finding comparable sales ("comps"). For unique or older homes, appraisers may need to look at a wider geographic area within Greenville County. Working with a lender experienced in the local market helps ensure a smooth appraisal process.
Are USDA loans a viable option for homebuyers in Taylors, SC, given its semi-rural areas?
Absolutely. Parts of Taylors and surrounding unincorporated Greenville County are eligible for USDA Rural Development loans, which offer 100% financing. This can be an excellent option for eligible buyers looking in less densely populated areas of Taylors, providing a significant advantage with no down payment requirement. A local lender can confirm specific address eligibility.
Why Choose a Mortgage Lender in Taylors?
Local Market Knowledge
Lenders who understand Taylors'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 Taylors and get competitive rates on your home loan.