Which Owner-Occupied Mortgage Is Right for You in South Carolina? | Valor Lending Group
If you’re buying a home to live in, whether it’s a coastal cottage in Hilton Head, a suburban gem in Columbia, or a charming Charleston townhouse, you likely have one question: Which Owner-Occupied Mortgage Is Right for You in South Carolina? With so many loan programs available from conventional and FHA to VA and USDA, choosing the one that fits your lifestyle, finances, and future goals can feel overwhelming.
That’s where I come in. I’m Hayden Madison with Valor Lending Group, fully licensed to assist buyers across the Palmetto State. I’m here to guide you through the best mortgage options, help you navigate local market dynamics, and simplify the path to your dream home. No pressure, no fine print, just clarity.
Call me, Hayden Madison, today at 858-349-7538, or email me at hmadison@valorlending.com
Let’s unlock the front door to your next chapter.
Which Owner-Occupied Mortgage Is Right for You in South Carolina?
Conventional Loans
Perfect For: Buyers with credit scores 620+ and a steady income
Highlights:
- Down payment: 3%–20%
- Mortgage insurance is cancelable once equity reaches 20%
- Widely accepted across SC
FHA Loans
Perfect For: First-time buyers, buyers with credit 580+, or those with higher debt ratios
Highlights:
- Down payment as low as 3.5%
- More flexible credit requirements
- Mortgage insurance is required
VA Loans
Perfect For: Active-duty military, veterans, and eligible spouses
Highlights:
- 0% down payment
- No PMI
- Streamlined underwriting process
USDA Loans
Perfect For: Buyers in eligible rural and suburban areas of South Carolina
- 0% down payment
- Income and geographic eligibility apply
- Low mortgage insurance
Bank Statement Loans
Perfect For: Self-employed individuals and entrepreneurs
Highlights:
- Down payment: 10%–20%
- Qualify using 12–24 months of bank statements
- Ideal for non-W-2 income scenarios
Call me, Hayden Madison, at 858-349-7538, or email me at hmadison@valorlending.com
Let’s find the perfect mortgage match for your South Carolina home.
How to Choose: A Quick Decision Guide
| Loan Type | Credit Score | Down Payment | Ideal For |
|---|---|---|---|
| Conventional | 620+ | 3–20% | Salaried buyers with good credit |
| FHA | 580+ | 3.5% | First-timers with lower credit or higher debt |
| VA | Flexible* | 0% | Military families and veterans |
| USDA | 640+ | 0% | Buyers in rural/suburban areas meeting income limits |
| Bank Stmt Loans | 660+ | 10–20% | Self-employed borrowers without traditional income |
*Credit score requirements may vary.
Call me, Hayden Madison, today at 858-349-7538, or email me at hmadison@valorlending.com
Let’s break down the options and build your mortgage game plan!
VALOR LENDING GROUP OFFERS EVERY MORTGAGE LOAN IN THE BOOK!
At Valor Lending Group, I’m ready to help you achieve your investment goals.
Call me, Hayden Madison, directly at 858-349-7538, and turn your dreams into reality today!
Recently Funded | Valor Lending Group
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$712,500 Loan amount | DSCR Loan | Cash Out Refi | 75%LTV | 70% LTV
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$592,500 Loan amount | DSCR Loan | Purchase | 75% LTV| Seattle, WA
And many more.
Every Project, Every Loan – Let’s Build Your Success Together!
Call me, Hayden Madison, today at 858-349-7538, or email me at hmadison@valorlending.com
Recap of Our Loan Products:
- Private Money Loans (20% down / minimal documentation) typically, funds in 7-10 days
- Stated Income Loans (Great for business owners and self-employed) No tax returns!
- 100% financing is available (we can cross-collateralize other properties if there is enough equity)
- Valor VA Home Loan 100% financing up to $2.5MM
- Investor Cash Flow Loan – No tax returns or DTI calculation! Based on the subject property’s cash flow
- Flipper & Rehab Loans (Flip a property with one of our many options)
- 2nd Position Loans up to $5MM
- Raw Land & Lot Loans
- Ground-up Construction for spec homes, custom homes, and commercial ground-up.
- Farms, Vineyards, Ranches, and Agricultural Properties (25-30% down)
- 10% down, Jumbo’s up to $1.5MM
- Manufactured Housing / Mobile Homes (20% down / 600+ credit score)
- Acreage Properties
- Commercial Loans up to $500MM
- 3% & 5% down Conventional Loans– LPMI (Lender paid mortgage insurance)
- Foreign Nationals Loans (no social security or residency required)
We Also Offer:
- 10, 15, 20, 25, 30 years Fixed, Conventional Conforming Loans
- High Balance Conforming aka Super Conforming
- Jumbo’s to $10 MM / 10% down Jumbo to $1.5MM
- FHA, USDA
- ARM’s
- Reverse mortgages up to $1MM Value
- Refinance including Cash Out
**Rates and terms are subject to change without notice
