Mortgage services
First Mortgages
Conventional, fixed rate options available for 10 to 30-year terms for purchases or refinances. We also offer VA, FHA, First Time Buyer, and Credit Rebuilder mortgage loans.
Second Mortgages
Terms on this fixed rate loan may be extended up to 15 years.
Adjustable Rate Mortgages
Fixed rate for 5 years with a potential rate adjustment every 6 months after. ** This option is ideal for those planning to move or refinance within the first 5 years. 100% financing may be available for qualified borrowers.
Lot & Land Loans
Fixed rate loans are available to purchase or refinance land with the intent to build upon it within 10 years.
Manufactured Home & Lot Loans
We offer fixed rate loans for manufactured homes, manufactured home lots or combination of both for primary residences.
Construction & Renovation Loans
We're here to help you build a new home or make improvements to your current one.
Mortgage loan type | Term | Interest rate | APR as low as* |
|---|---|---|---|
First Mortgage (Fixed Rate) | 10 Yrs | 5.250% | 5.680% |
15 Yrs | 5.375% | 5.680% | |
30 Yrs | 5.750% | 5.920% | |
Second Mortgage (Fixed Rate) | 5 Yrs | As low as 8.250% | 9.390% |
10 Yrs | As low as 9.950% | 10.590% | |
15 Yrs | As low as 9.590% | 10.590% | |
Adjustable Rate Mortgage | 5/6 ARM** 30 Years | 5.375% | 6.250% |
Related links
Further assistance
If you have any questions about our mortgage options or are ready to apply, our local lenders are here to help you every step of the way. Contact us using any of the methods below.
Hours of operation:
Monday - Thursday,
9 am - 5 pm ET
Friday, 9 am - 6 pm ET
Book an appointment with an associate
Email: mortgage@palmettocitizens.org
Phone: (803) 376-5016
*Points have no cash value. Points in this Program cannot be exchanged for cash or credit, may not be used with any other offer, promotion or discount, cannot be combined with cash to obtain an Award and cannot be earned from or transferred to any other rewards program, unless otherwise specified.