Mortgage broker in Spartanburg County, SC

Buying in Spartanburg County

Spartanburg County, with its county seat in Spartanburg, also takes in Boiling Springs, Duncan, Lyman, Inman, Woodruff and part of Greer. Spartanburg County files are handled by Steve Umansky, Sr. Branch Manager, NMLS #61764, who is licensed in South Carolina, from our Southampton, PA office.

2026 conforming limit

$832,750

2026 FHA limit

$541,287 (one-unit, set by HUD)

Above the conforming limit

Jumbo pricing

Closing commonly handled by

closing attorney

State housing agency

SC Housing (general information; not a participating lender)

Your officer

Steve Umansky, NMLS #61764

2026 limits for a one-unit property. Spartanburg County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

Spartanburg County: growth along Interstate 85

Automotive and other manufacturing along Interstate 85 has brought steady growth, and Boiling Springs, Duncan, Lyman and Moore have a great deal of new construction at prices below Greenville’s. A builder purchase means matching the rate lock to the completion date, and most new neighborhoods have association dues.

Many manufacturing jobs pay hourly with overtime and shift differentials; that extra pay can count once there is a history of it, so bring recent pay stubs and two years of W-2s. The City of Spartanburg has older homes at moderate prices. North toward Landrum and Campobello, properties are more rural, with wells, septic systems and some addresses inside the USDA eligibility map.

Mortgage broker in Spartanburg County by the numbers

Median home value

$233,300 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 0.55% of home value a year: median tax bill $1,274 on a median value of $233,300 (Census Bureau, ACS 2020–2024, table B25103)

Transfer tax

Deed recording fee of $1.85 per $500 of the price (South Carolina Department of Revenue, deed recording fee)

Largest communities

Spartanburg, Boiling Springs, Greer, Valley Falls (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $233,300. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $541,287.

Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.

Closing and programs in South Carolina

Closings in South Carolina are typically handled by a closing attorney. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the South Carolina page. Property taxes are set locally; we take the figure from the tax record for the address.

Questions Spartanburg County 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.

Limits shown are the 2026 FHFA and HUD figures for Spartanburg County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.