Your Path to Homeownership
First-Time Buyers Guide to Upstate SC
Everything you need to know about loan programs, credit requirements, and down payment assistance in South Carolina.
Loan Programs & Requirements
Know Your Options in SC
FHA Loans
The most popular option for first-time buyers, offering flexible credit requirements and low down payments.
- 580+ Minimum Credit Score
- 3.5% Minimum Down Payment
USDA & VA Loans
Incredible zero-down options. VA is for qualifying veterans, while USDA is for homes in designated rural areas.
- 600+ Minimum Credit Score
- $0 Down Payment Required
SC State Housing
State-sponsored programs offering forgivable down payment assistance to help you get into your home with less cash.
- 640+ Minimum Credit Score
- Down Payment Assistance available
Step-by-Step Guide
The Home Buying Process
Meet With A Real Estate Professional
Pre-Approval
Determining Your Budget
Search For Homes
The Fun Part!
Make An Offer
Price & Terms You Choose
Negotiation & Contract
You're On The Way!
Under Contract
Now What?
Final Details
Home Inspections, Appraisal, & Final Walkthrough
Closing Day
Congrats! You Are a Homeowner!
Have Questions or Ready to get started?
Schedule A ConsultationHidden Savings
Consider New Construction
Did you know that many builders offer massive incentives for first-time buyers? By purchasing a new construction home, you can often unlock special savings that aren't available on resale homes.
- Rate Buydowns: Get a significantly lower interest rate.
- Closing Costs: Builders often cover thousands in fees.
- Brand New: Warranties and zero immediate maintenance.
Local Upstate Insights
Frequently Asked Questions
Take the First Step
Tell Us About Your Dream Home
Fill out the quick questionnaire below so we can understand your goals, timeframe, and preferences. Once you submit, our team will reach out to start your exciting journey to homeownership!
