Compare Mortgage Lenders in Rock Hill, SC
Compare mortgage lenders in Rock Hill. Review contact information and insurance categorys before you decide.
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the
State Mortgage Licensing Authority of South Carolina before hiring.
Showing 16 mortgage lenders in Rock Hill, SC
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Mortgage lenders in Rock Hill South Carolina help home buyers and homeowners secure financing for residential properties. South Carolina law requires lenders to follow specific licensing rules through the state Department of Consumer Affairs. Local lenders understand the Rock Hill real estate market and can guide you through loan options like conventional FHA or VA loans.
What Does a Mortgage Lender in Rock Hill Cost?
Typical costs for a mortgage in South Carolina include an origination fee of 0.5 to 1 percent of the loan amount and third party fees for appraisal title search and credit report. Closing costs in Rock Hill usually range from 2 to 5 percent of the home price. South Carolina charges a documentary stamp tax of 0.37 cents per 100 dollars of the mortgage amount. This is general information not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What documents do I need to apply for a mortgage in Rock Hill?
You typically need pay stubs tax returns bank statements and a photo ID. South Carolina lenders also require proof of homeowners insurance and a property appraisal. Self employed borrowers may need additional tax documents.
How long does the mortgage process take in South Carolina?
The process usually takes 30 to 45 days from application to closing. South Carolina law requires a three day rescission period for refinances but not for purchase loans. Delays can happen if appraisal or title work takes longer.
Are there special mortgage programs for South Carolina home buyers?
Yes the South Carolina State Housing Finance and Development Authority offers down payment assistance and lower rate loans for first time buyers. The Palmetto Heroes program helps teachers police and firefighters. Local Rock Hill programs may also be available.