Mortgage loans in South Carolina
Buying, refinancing or investing in South Carolina real estate comes with different financing needs depending on the property, location and borrower.
Andes Mortgage is a full-service mortgage broker in South Carolina helping homebuyers, homeowners and real estate investors compare mortgage options across Charleston, Columbia, Greenville, Myrtle Beach, Rock Hill and communities throughout South Carolina.
We provide conventional, FHA, VA and USDA financing for primary residences, along with refinance and home-equity options for current homeowners. For investors and borrowers with less traditional scenarios, we also offer DSCR loans, financing for short-term rentals, bank statement programs, non-warrantable condo loans, foreign national mortgages and ITIN loan options.
Instead of forcing every borrower into the same box, we look at the complete picture and explain which programs make sense, what the tradeoffs are and what you may realistically qualify for before you move forward.
- Long-term & Short-Term Airbnb DSCR
- Investor lending in ~46 states
- Hablamos español
- NMLS #2187991
Andes Mortgage LLC — a licensed mortgage broker, not a lead form.
- Licensed in South Carolina
Regulated South Carolina mortgage broker serving the whole state.
- Broker, not a single lender
We shop your file across many wholesale lenders to fit your situation.
South Carolina housing market at a glance
South Carolina is one of the faster-growing markets in the Southeast, with steady in-migration lifting demand across Charleston, Greenville, Columbia and the coast. Listing activity has been rising, which gives buyers a widening set of options and investors a healthy pipeline of rental and vacation-rental opportunities.
The figures below pull live from public listing data and update automatically each month, so you’re always looking at where the South Carolina market actually is right now.
South Carolina housing market
Loading current figures…
Figures are Realtor.com listing data (what sellers are asking) — not sale prices. Source: Realtor.com via FRED (Federal Reserve Bank of St. Louis). Updates monthly.
Mortgage interest rates today in South Carolina
Last update: July 27, 2026
Conventional mortgage - Purchase
| Product | Rate | APR |
|---|---|---|
| 30-yr. fixed | 6.621% | 6.634% |
| 20-yr. fixed | 6.436% | 6.45% |
| 15-yr. fixed | 6.006% | 6.025% |
| 5-yr. ARM | 6.9% | 6.736% |
Conventional mortgage - Refinance
| Product | Rate | APR |
|---|---|---|
| 30-yr. fixed | 6.74% | 6.745% |
| 20-yr. fixed | 6.641% | 6.647% |
| 15-yr. fixed | 6.021% | 6.04% |
| 5-yr. ARM | 6.763% | 6.7% |
National 30-year fixed rate
Where the benchmark has moved over the past year. Reported by the Federal Reserve of St. Louis (FRED).
30-Year Fixed Mortgage Rate — Last 12 Months
Source: Freddie Mac PMMS via FRED
Where to go next
Follow your situation into the details — terms, down payment, and the documents each program needs. Every program below is open to South Carolina borrowers today.
Finance a South Carolina rental on the property’s income — no tax returns, no personal DTI. It’s our highest-demand investor program.
Already own South Carolina rentals? Tap the equity without affecting your current mortgage terms — qualify on the portfolio’s cash flow.
Buying US investment property from abroad? Qualify on the rent, with no US credit history required — a straightforward route for overseas investors.
Living and filing taxes in the US with an ITIN and no SSN? Buy or refinance a home to live in, a second home, or a rental.
Find your South Carolina loan in minutes
Answer a few quick questions and we’ll point you to the program that fits and what you’d need to qualify — no credit pull, no obligation. Hablamos español.
Andes Mortgage LLC · NMLS #2187991 · Equal Housing Lender. Licensed mortgage broker in South Carolina. Market figures are Realtor.com listing data (not sale prices), published via FRED (Federal Reserve Bank of St. Louis) and updated monthly. This page is informational and is not a commitment to lend; program terms and eligibility vary by lender and are subject to change.