Best South Carolina Mortgage Lenders
Browse 32 top-rated mortgage lenders in South Carolina as of September 7, 2026. See lender reviews, ratings, and investment specialties.
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NMLS # 2625701
Hard/Private/Non-QM
HomeAbroad is a one-stop PropTech and FinTech platform that unlocks US real estate investment for global investors, offering specialized mortgage solutions without needing US credit history or residency, an AI-driven investment property search engine, local investor-friendly real estate agents, and end-to-end support (LLC formation, U.S. bank accounts, property management connections). view more -
NMLS # 2822806
Conventional & Gov.
Hard/Private/Non-QM
Rate Hero | Let the home qualify itself. Built for investors who don’t fit inside a bank’s box. At Rate Hero, we help real estate investors, entrepreneurs, and self-employed borrowers secure financing based on the deal, not just a traditional income checklist. Whether you’re buying your first rental, refinancing out of hard money, pulling cash out to scale, or qualifying through DSCR, bank statements, or CPA-prepared P&Ls, we structure loans around how investors actually move. Fas... view more -
NMLS # 63368
Conventional & Gov.
Hard/Private/Non-QM
Oracle Funding Corp specializes in providing fast, reliable financing solutions tailored specifically to the needs of real estate investors. With a comprehensive suite of lending products—including fix-and-flip loans, bridge financing, rental property loans, and construction financing—we empower investors to capitalize quickly on opportunities and scale their portfolios effectively. Our seasoned team of lending experts brings decades of real estate and finance experience, ensuring a streamlin... view more -
Hard/Private/Non-QM
At Contour Mortgage, we pride ourselves on being more than just a direct retail residential mortgage lender—we’re a trusted partner in turning vision into reality. Our Business Purpose Lending division focuses on 30-year renovation loans and DSCR financing, empowering investors, developers, and entrepreneurs to acquire, improve, and maximize the value of their properties. With decades of combined expertise and a client-first approach, we deliver tailored financing solutions that move projects... view more -
NMLS # 2740541
Truehold Financial
Hard/Private/Non-QM
Hard/Private/Non-QM
Truehold Financial offers smart loan programs specifically for real estate investors. Whether you're building a rental portfolio with DSCR loans or flipping properties with our fix-and-flip financing, we provide fast funding in as few as 10 days with terms designed for investors like you. view more -
As the preeminent hard money and DSCR lender, we specialize in providing FAST, strategic financing solutions for real estate investors who need CERTAINTY and SPEED with the most competitive rates and the lowest fees. Whether it is funding time-sensitive acquisitions, bridge projects, or long term rental portfolios, we focus on asset-based underwriting and cash flow strength rather than red tape. Our approach is simple: decisive approvals, flexible structuring, and reliable closings that help... view more
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NMLS # 2826586
Uncapco Financial
Hard/Private/Non-QM
Hard/Private/Non-QM
Uncapco is a nationwide direct lender offering short- and long-term financing for investment properties, with programs that are friendly to first-time investors. DSCR Rental 🏢 - Up to 80% LTV | Rates Starting 5.75% (as of 6.17.26) Fix & Flip 🏚️➡️🏠 – Up to 95% LTC | 75% of ARV | Rates Starting 8.99% (as of 6.17.26) New Construction 🏗 - Up to 90% LTC | 75% of ARV | Rates Starting 9.99% (as of 6.17.26) We blend the flexibility of a broker with the discipline and capital backing of a... view more -
Hard/Private/Non-QM
Harpoon Capital is currently a mortgage brokerage focusing on business-purpose loans only, with an emphasis on "DSCR Loans" -- the emerging top financing tool for residential real estate investors, from single family rentals, to small multifamily properties to short term rentals (i.e. airbnbs). Whether you are a real estate investing whale with 50+ properties or a relative minnow just starting out, our information is here to help you navigate the voyage to financial freedom through real estat... view more -
Futures Funding Inc. helps real estate investors fund fix-and-flips, rentals, and new construction with hard money and DSCR loans built for speed. We're a brokerage, not a single lender, which means one application gets your deal in front of multiple capital sources competing for your business. Whether you're flipping your first property or scaling a portfolio, we structure financing around the deal: purchase + rehab, cash-out refis, bridge-to-DSCR, and ground-up. Straight answers (if the ... view more
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Hard/Private/Non-QM
Elevrion Capital provides fast, competitive financing for real estate investors throughout Florida, Georgia, South Carolina, North Carolina, and nationwide. We specialize in DSCR rental loans, Fix & Flip financing, ground-up construction, and commercial investment properties. No hard credit pull to review your scenario - Term sheets typically in hours. Fast answers, competitive terms, and real humans who answer the phone. Led by a lending professional with more than 20 years of experien... view more
South Carolina Mortgage Rates Today
How to Find a Lender in South Carolina
To choose a lender that aligns with your investing goals, start by asking the right questions about their experience with real estate investors and their flexibility in loan terms. When speaking with a potential lender, ask about their familiarity with investment-specific loan products, such as portfolio loans, bridge loans, or cash-out refinancing options, and how often they work with investors in your target market. Understanding the lender's typical loan-to-value (LTV) ratios and whether they offer specialized financing—like quick approvals for competitive markets—can reveal how well their services support quick, strategic property purchases.
In addition to loan features, inquire about fees, interest rates, and their approach to managing multiple property loans. For example, ask if they provide discounts on financing for investors with multiple properties or if they offer customizable loan packages based on your long-term goals. A lender who is open to building a relationship and adjusting terms to your needs is often a better fit for a growing investment portfolio. Finally, get recommendations from local real estate investment groups, which can provide insights into which lenders in your area have a strong track record with investors. And remember there is no one size fits all lender, you will want to find the right one for your investing needs.
Testimonials
"Found a lender who was able to offer exactly what I was looking for."
"Beat our local broker by one percent! Thank you BP."
"Easy to use and found a great Lender! Still going through the process but should close this week!"