Mortgage loans in South Carolina
Justin Mackler is licensed to originate home loans in South Carolina. Here is how a South Carolina loan works with him, which programs are available, and a few state rules worth knowing.
How a South Carolina loan works with Justin
- Talk it through by phone or with the short form.
- Apply online at the secure application, upload documents, and sign disclosures electronically.
- A local appraiser and a South Carolina title or closing professional handle the appraisal and title work.
- South Carolina closings are supervised by a licensed South Carolina attorney, who handles the title work and disbursement.
Loan programs available in South Carolina
- Conventional loans
- FHA loans
- VA loans
- USDA loans
- Jumbo loans
- Refinance and cash-out loans
- Investment and DSCR loans
Availability depends on the property, credit, income, and each program's guidelines. Compare all loan programs.
The SC Housing Homebuyer Program offers fixed-rate mortgages and forgivable down payment assistance through approved lending partners, subject to county income and price limits and homebuyer training. SC Housing (South Carolina State Housing Finance and Development Authority)
South Carolina details to know
- South Carolina's deed recording fee is $1.85 per $500 of value ($1.30 state and $0.55 county). The grantor is primarily liable. Source: SC Department of Revenue: Deed Recording Fee
- South Carolina requires attorney supervision of residential real estate closings. The state Supreme Court held that even disbursement of loan funds must be supervised by an attorney. Source: Doe Law Firm v. Richardson (S.C. 2006)
- For 2026, every county in South Carolina uses FHFA's baseline one-unit conforming loan limit of $832,750, with no high-cost county adjustments. Source: FHFA 2026 county loan limit list
Last reviewed 2026-10-29.
Tell Justin about your South Carolina purchase or refinance and he will follow up with real options.
South Carolina mortgage questions
Can Justin Mackler help with a mortgage in South Carolina?
Yes. Justin Mackler (NMLS# 1648112) is licensed to originate mortgage loans in South Carolina through United Direct Lending, Company NMLS# 1749719. You can confirm both licenses on NMLS Consumer Access.
Do I need to meet in person to get a loan in South Carolina?
No. The application, documents and disclosures are handled by phone and online from Justin's Boca Raton office. The closing itself takes place in South Carolina with a local closing professional, as state rules require.
Is an attorney required to close a home loan in South Carolina?
Yes. South Carolina Supreme Court decisions require a licensed attorney to supervise residential closings, including the title work, closing and disbursement of funds.
What is the deed recording fee in South Carolina?
It is $1.85 per $500 of the property's value, made up of a $1.30 state fee and a $0.55 county fee. The seller is primarily liable, with the buyer secondarily liable.
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Share your goal, price or loan amount, credit range, timeline, and your South Carolina property, and Justin will follow up personally with real options. Sending the form does not run your credit and is not a rate quote.