Mortgage broker in York County, SC

Buying in York County

York County, with its county seat in York, also takes in Rock Hill, Fort Mill, Tega Cay, Clover and Lake Wylie. York 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. York 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.

York County: Charlotte’s South Carolina suburbs

Fort Mill, Tega Cay and Lake Wylie sit just across the line from Charlotte, and most buyers there work in North Carolina; that income counts normally. Prices in Fort Mill are among the highest in the state, and much of what sells is recent construction in neighborhoods with association dues.

The purchase follows South Carolina rules: an attorney supervises the closing, and a home you live in is taxed at the lower owner-occupant ratio once you apply to the county. Rock Hill, the largest city, has a wider range of prices and older neighborhoods. The western county, around York, Clover and Sharon, is more rural, with wells and septic systems.

Mortgage broker in York County by the numbers

Median home value

$361,300 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 0.48% of home value a year: median tax bill $1,740 on a median value of $361,300 (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

Rock Hill, Fort Mill, Lake Wylie, Tega Cay (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $361,300. 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 York 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 York County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.