The Best Mortgage Lenders in Williston, SC
Compare verified mortgage lenders serving Williston, South Carolina. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Williston
Featured Mortgage Lenders
Mortgage Department
Security Federal Bank
Security Federal Bank is a highly-rated regional institution with deep roots in the Central Savannah River Area, serving Williston and surrounding communities for decades. They maintain exceptional 4.8-star ratings across multiple review platforms with particular praise for their personalized service and local decision-making. As a community bank, they offer competitive rates and have specialized expertise in rural property financing including USDA loans, making them an excellent choice for Williston area homebuyers. Their mortgage team provides comprehensive guidance through the entire home buying process with local underwriters who understand the regional market.
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Chris Shealy
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage's Aiken branch, led by experienced loan officer Chris Shealy, receives consistently outstanding reviews for exceptional customer service and competitive rates. With hundreds of 5-star reviews specifically mentioning their efficiency, communication, and expertise with rural properties, this team has become one of the most recommended mortgage lenders in the Williston service area. They specialize in first-time homebuyer programs and government-backed loans, with particular expertise in VA and USDA financing that benefits Williston residents. Their streamlined process and local expertise make them a top choice for Barnwell County home purchases.
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Mortgage Team
Academy Mortgage Corporation
Academy Mortgage's Augusta office serves the Central Savannah River Area including Williston, SC, and maintains excellent ratings for their responsive service and competitive loan products. They receive consistent praise for their efficient processing and knowledgeable guidance, particularly for first-time homebuyers navigating the mortgage process. With specialized expertise in both conventional and government-backed loans, they offer comprehensive solutions for Williston area properties. Their local loan officers understand the unique aspects of the Barnwell County market and provide personalized service with the backing of a national lender's resources and competitive rates.
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Frequently Asked Questions
Common questions about mortgage lending in Williston, SC
What are the typical down payment requirements for homes in Williston, SC, given its rural market?
In Williston's more affordable market, many conventional loans can be secured with a 5% down payment, and FHA loans with just 3.5% down are common. For properties that may be classified as rural by USDA standards, eligible buyers can access USDA loans requiring 0% down payment, which is a significant advantage in this area. Local lenders are very familiar with these programs and can guide you on property eligibility.
Are there any first-time homebuyer assistance programs specific to Williston or Barnwell County?
Yes, the South Carolina State Housing Finance and Development Authority (SC Housing) offers statewide programs accessible to Williston buyers, including down payment assistance and competitive interest rate loans. Additionally, it's worth checking with local community banks or credit unions, as they sometimes have special programs or grants for first-time buyers in their service areas to promote local homeownership.
How do property types common in Williston, like manufactured homes on owned land, affect mortgage options?
Financing a manufactured home permanently affixed to owned land is possible with FHA, VA, or USDA loans, provided the home meets specific HUD code and foundation requirements. This is a key consideration in Williston, where these homes are prevalent. You'll need a lender experienced with this property type, as not all lenders finance manufactured homes, even when the land is included.
What should I know about property taxes and insurance when calculating my monthly mortgage payment in Williston?
Barnwell County, which includes Williston, has relatively low property tax rates compared to national averages, which helps keep monthly payments affordable. However, you should budget for mandatory flood insurance if your property is in a designated flood zone, as parts of the county are prone to flooding. Your lender will require a flood certification as part of the loan process.
How does Williston's slower-paced real estate market influence the mortgage process timeline?
The less competitive market often allows for more time during the closing process, which can be beneficial for securing financing. However, it's crucial to work with a lender familiar with local appraisers, as finding comparable sales ("comps") for appraisal reports in a rural area with fewer transactions can sometimes cause minor delays. Planning for a 45-60 day closing period is generally advisable.
Why Choose a Mortgage Lender in Williston?
Local Market Knowledge
Lenders who understand Williston'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 Williston and get competitive rates on your home loan.