FHA, Conventional & USDA OptionsAs Little as 3% DownDown Payment Assistance Available

Your first home — simplified.

Buying your first home doesn't have to be overwhelming. We demystify the mortgage process so you can buy with confidence in the Lowcountry.

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First-time buyer programs

3% down

Conventional 97

Only 3% down required. Private mortgage insurance is required but can be removed once you reach 20% equity.

3.5% down

FHA Loan

3.5% down with flexible credit requirements. Great for buyers with less-than-perfect credit history.

0% down

USDA Loan

0% down for eligible rural and suburban properties. No mortgage insurance — just a one-time guarantee fee.

0% down

SC Housing Programs

State-specific down payment assistance and affordable financing options for South Carolina residents.

Understanding your upfront costs

Down Payment

Conventional: 3-20% of purchase price
FHA: 3.5% of purchase price
USDA: 0% for eligible properties
VA: 0% for eligible veterans

Closing Costs

Typically 2-5% of loan amount
Includes appraisal, title, and origination fees
Can sometimes be negotiated to be paid by seller
May be partially covered by lender credits

Pre-Purchase Costs

Home inspection: $300-500
Appraisal: $400-600
Credit report: Usually free through lender

Avoid these first-time buyer mistakes

!Waiting too long to get pre-approved
!Not accounting for hidden costs
!Making big purchases before closing
!Skipping the home inspection
!Not comparing loan estimates
!Going solo without a realtor

Mortgage Calculator

Get a rough estimate of your monthly mortgage payment based on home price, down payment, and loan terms.

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The first-time buyer journey

Check Your Credit

Review your credit report and score. We'll tell you what loan programs you qualify for.

Get Pre-Approved

Submit documentation. We'll give you a letter showing exactly how much you can afford.

Find Your Realtor

We'll connect you with a trusted local realtor who knows the Lowcountry market.

Make an Offer

Your pre-approval letter strengthens your offer. We'll help structure it for success.

Close on Your Home

Final walkthrough, sign papers, and get your keys. You're a homeowner!

Start as a First-Time Buyer

First-time buyer questions

We generally follow the 28/36 rule: your mortgage payment should be no more than 28% of your gross monthly income, and total debt payments should not exceed 36%. We'll give you a firm number during pre-approval.

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Ready to buy your first home?

Let's get you pre-approved and on the path to homeownership.

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