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South Carolina’s Local Lender

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Our new home shopping tool makes it easy to find your dream home and get support through every step of the way.

Get the Best Mortgage Rates in South Carolina

Resource Financial Services is headquartered in Columbia, South Carolina, where we are the premier mortgage lender and the largest privately-owned mortgage company in the state of South Carolina. We are your number one source for buying or refinancing a home in Columbia, SC and any area of the Palmetto State. 

Our highly experience team of mortgage bankers licensed in South Carolina is here to help. We know South Carolina real estate better than anyone and we’re dedicated to giving you our guaranteed low mortgage rates, fast local decision making and on-time closings. 

Whether you are a first-time homebuyer, buying your dream home, investing in a vacation home or refinancing your current mortgage, we keep the mortgage process simple and affordable for you.

Buying a Home in South Carolina

There are many reasons to buy a home in South Carolina and many beautiful areas to choose from. The low cost of home ownership makes South Carolina an attractive state for those wanting to get the best value for their home. Buying a home in South Carolina is a good investment because demand for real estate is high here. With the area’s low cost of living and homes that feature larger lots with plenty of outdoor space, it’s easy to see why.

If you are considering buying a home in the Columbia, South Carolina area, you’ll find it’s one of the best places to live in the state, offering a mix of urban and suburban feel. Columbia’s economy is very diverse, home prices are affordable and with the largest university in the state, the University of South Carolina and two military installations, Fort Jackson and McEntire Joint National Guard Station, there is a healthy rental demand for investment home purchases. Columbia and its surrounding areas are called the Midlands of South Carolina and some of the most desirable suburbs are Camden, Irmo, Forest Acres and Lexington.

Named one of the best small cities in the US by National Geographic Traveler, Greenville, South Carolina boasts a booming local economy with low unemployment rates, making it one of the best places in the state to own a home. The city ranks third among the top cities in the US where it is cheaper to buy a home than to rent. Greenville has a vibrant downtown full of things to do and see, with incredible festivals and events. With mild weather year-round and lots of activities and amenities, the overall quality of life in Greenville is excellent. Surrounding areas of the upstate include Taylors, Greer, Simpsonville, Fountain Inn, Clemson and Mauldin.

Historic Charleston is one of the most famous cities in South Carolina, known for its architecture, southern hospitality and great restaurants. Charleston and the surrounding areas of the South Carolina Lowcountry are consistently recognized nationally as top places to live in the US. The weather, seaside living, local cuisine and rich history of the area put Charleston in the top five of US News’ List of the 25 Best Places People Are Moving in 2017.  Desirable areas surrounding the city of Charleston include West Ashley, James Island, Daniel Island, Summerville and Mount Pleasant.

Helping First-time Homebuyers in South Carolina

First-time homebuyers have many questions. What is the mortgage interest rate? What credit score do I need to buy a home? Is it better to get a mortgage from a bank or a mortgage lender? Our experienced mortgage specialists are here to answer all your questions and guide first-time homebuyers through the process.

South Carolina has many first-time homebuyer programs designed to help you. Some of these loan options are specific to South Carolina and available through the South Carolina State Housing Finance Authority, while others, like the USDA, FHA and VA loans are national programs.

Learn more about these loan options here and contact one of our mortgage bankers licensed in South Carolina to see what you may qualify for.

26%
Over the past five years home values in Columbia, SC have increased by more than 26%.
9%
Home values in Greenville, SC have gone up 9% over the past year.
25%
Over the next 10 years the population of the Charleston metro area is expected to grow by over 25%.
David was great throughout our entire home buying process. He was knowledgeable and made our experience a positive one. I highly recommend David Cain to anyone who is looking to purchase a home.

Jamie S.

Columbia, SC
Jennifer Bowie and her team are terrific to work with. The process went well. It is detailed but you can expect that. The whole team was very knowledgeable and helpful when needed.

Sam W.

Columbia, SC
I highly recommend Meredith DuRant with Resource Financial Services! She is patient, knowledge and accessible. Plus the amazing interest rate . . . wow! What could have been d frustrating and complicated process was made so much easier by working with a true professional.

Ryan S.

Columbia, SC

Still Searching for a Home?

Our new home shopping tool makes it easy to find your dream home and get support through every step of the way.

Ready for the Resource Advantage?

COVID-19 UPDATE: Our offices are open and practicing social distancing, making use of our digital mortgage process to allow customers to handle their home loans needs for refinancing or home purchases completely online.