Because we have low Rural Housing Rates and Fast Turn Times!

The Rural Housing program is administered by the USDA (US Department of Agriculture), and in recent years has gotten thousands of South Carolina first time home buyers into their first home.

Despite the name, you don't necessarily need to buy a home in a Rural Area.  Areas become eligible based on population density.  So you can't use Rural Housing to buy in most downtown areas of South Carolina.  But there are suburbs around every metropolitan area that are eligible.  Rural Housing loans also have an income limit, which can vary based on a number of factors.

The program is most appealing to many first time home buyers because a down payment isn't required.  Underwriting guidelines are relatively relaxed compared to Conventional loans, and pricing.

Like FHA loans, you pay an upfront fee at closing, and monthly mortgage insurance. The calculator at right will give you an idea of how the program works.  Be aware that Rural Housing rates can vary based on your loan amount, and your credit score.

We designed this calculator do give you a rough idea of what a Rural Housing Mortgage looks like for you with today's rates.  You can get our current published rates for Rural Housing loans under "Rates".   Rural Housing pricing  varies based on your credit score, loan amount, and other factors.  If you are close to buying a new home, it's a good idea to contact us for a free rate quote. You will find a number of options for contacting us below. We love to hear from you!

Rural Housing Purchase Calculator

I just wanted to say thank you for all your help! You made something that I thought would be so hard so very easy.  You have helped to make me one of the happiest people right now! It was so nice to meet you and I just wanted to express my gratitude.  Thank you for everything!

                                                                                                                                                                Whitney McAfee

Next Steps

A calculator can only give you so much information, and mortgages are complicated!

You will find more options below.  We are eager to get started getting you the best mortgage possible!