South Carolina Home Loans

National One Mortgage Corp is licensed to originate residential mortgages in South Carolina. We do not maintain a South Carolina office — our loan officers work with borrowers here directly, by phone and online, from first call to closing.

Jim Martinez, our National Sales Director, is licensed in South Carolina and handles borrowers here personally. South Carolina is one of the markets he has run pipelines in for years.

What's available

• Conventional — the 2026 baseline conforming limit of $832,750 covers most of the state, though some coastal areas push into jumbo territory
• FHA — usable across most South Carolina price points
• VA — we are a VA lender, and South Carolina's military and veteran population makes this a significant share of the market
• USDA — much of South Carolina outside the Charleston, Columbia, and Greenville metros is eligible
• Jumbo and Refinance

Worth knowing

The coast and the interior are different financing markets. Charleston, Hilton Head, and the coastal resort areas reach price points where jumbo and second-home financing come into play. Inland, most purchases sit well within conforming limits and often within USDA-eligible areas. Which conversation you are having depends on where you are buying.

Coastal property brings insurance and flood questions that affect your qualifying payment, since insurance is counted in the monthly housing expense underwriters measure. Price insurance before you make an offer on anything near the water.

Get in touch

Tell us the county, the price range, and whether the property is coastal. That determines which programs are realistic and what the payment actually looks like.

Jim Martinez · NMLS #613324 · (951) 741-1777