Mortgage pre-approval in South Carolina.

Closing commonly handled by

closing attorney

State housing agency

SC Housing

Stellar agency approval

Not a participating lender

2026 conforming limit

$832,750 in every county

2026 FHA limit

$541,287 to $690,000, by county

Our license

Mortgage Broker License

Company NMLS

#2190975

Your officer

Steve Umansky, NMLS #61764

What we arrange in South Carolina

Purchase and refinance loans for primary residences, second homes and investment properties. We arrange conventional loans with low down payment options, FHA loans with a low down payment, VA and USDA loans with little or no money down for eligible buyers and properties, and jumbo, renovation and non-QM financing, including bank statement and DSCR loans. Full list: all loan programs.

How closings work in South Carolina

South Carolina requires a licensed attorney to supervise a residential closing, so the buyer chooses a closing attorney. Owner-occupants should apply to the county for the primary-residence property tax assessment after closing, because the tax bill is much higher without it.

Transfer and recording taxes. South Carolina charges a deed recording fee of $1.85 for each $500 of the price, of which $1.30 goes to the state and 55 cents to the county. The contract sets who pays. Source: South Carolina Department of Revenue, deed recording fee. Property taxes are set locally; we take the figure from the tax record for the address.

Loan limits in South Carolina

For 2026 the conforming loan limit for a one-unit home is $832,750 in every county. Loans above the county limit are jumbo. FHA limits are set separately by HUD for each county. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

First-time buyer programs in South Carolina

The SC Housing runs South Carolina’s homebuyer programs, which can include a first mortgage and help with the down payment and closing costs for buyers who meet its income and purchase price limits. This is general information: Stellar Mortgage is not a participating lender for these programs. We arrange conventional loans with low down payment options, FHA loans with a low down payment, VA and USDA loans with little or no money down for eligible buyers and properties, and jumbo, renovation and non-QM financing, and we will tell you when an agency program looks like the better fit. Official source: SC Housing. See also our first-time buyer guide.

USDA eligibility is decided address by address: check the property on the USDA eligibility map. VA: no VA minimum credit score; lender overlays apply.

Questions South Carolina buyers ask

South Carolina notice. In South Carolina, Stellar Mortgage Corporation, NMLS #2190975, is a licensed mortgage broker. We arrange mortgage loans with lenders and do not make loans in South Carolina.

Loan limits, tax rates and agency programs are set by third parties and change. Confirm current figures before relying on them. Not a commitment to lend.