If you want to be a first time home buyer in South Carolina, but you just don’t know where to start, check out these resources we found. You might be able to reach your dreams of becoming a homeowner using one of these helpful opportunities below!
Get more help buying a house with low income here!
Even if you’re not a first time home buyer, you might be able to get help with a home. Many people who have not owned a home in the past three years can get help as if they were a first time buyer. Many of these options also have choices for those who are hoping to refinance too!
South Carolina has great first time home buyer programs.
When you’re a first time home buyer in South Carolina, you can get help through the South Carolina housing authority’s program. The program offers assistance for down payments as well as lower mortgage rate options. You can talk with the housing authority to find out about programs and lenders that can work with you.
Even if you can’t afford a house right now, the Habitat for Humanity might be able to help. While the Habitat works on helping people get homes when they’re in dire straits, they can also help you with valuable resources related to buying a home. You don’t have to be homeless or in desperate need of a home to get their help. If you are desperate for a home, it’s worth talking to the Habitat for Humanity and learning about sweat equity.
USDA loans can help you get into a home with as little as no money down. You can also get approved if you have a lower than average credit score. Talk with a lender about your USDA options to learn whether you’re even in a USDA-eligible area.
You could get help with your down payment!
Along with lower mortgage rates and better options for people with less-than-perfect credit, the FHA may be able to help with down payment assistance. You can qualify for an FHA loan that has a lower down payment requirement than others. You can also qualify for home repair and refinance options once you purchase your home!
The South Carolina housing authority can help you if you’re a first time home buyer in South Carolina. They offer programs to help you come up with a down payment. They can also provide you with counseling services to make purchasing a home easier.
Counties and cities also offer assistance if you’re a first time home buyer in South Carolina.
If you’re a first time home buyer in South Carolina, you might be able to take advantage of local programs to help you. Many of these programs offer counseling services and free help to get you into a home quicker!
Aiken County
Along with the credit counseling service you can receive to help you prepare for homeownership, Aiken County also offers a buyer assistance program. They do not offer down payment assistance, but they do have some options available for those who are in need of resources for mortgages and other options.
Beaufort County
First time home buyers in Beaufort County might be able to get help learning more about homeownership through the community counseling program. You can learn more about what you’ll need to do before buying as well as after you purchase your home.
Charleston County
The Urban League helps people in Charleston County learn more about homeownership in the area. The program focuses on how you can own your own home with very little money. It also teaches people who visit about things like zero down payments and lower interest rates. There, you can get a list of lenders who might be able to help you with these opportunities.
Before you look for a home, you might need some help with your finances. The Increasing Hope financial training center can help you as a first time home buyer in South Carolina. They will give you the options you need to make sure you’re financially prepared for homeownership in the future.
Greenville County
If you’re in Greenville County, you can get help from the Urban League for your down payment and other resources. The organization can help you connect with first time homebuyer programs and might also be able to provide you with a lower down payment.
Horry County
Looking for a home in Myrtle Beach? The Myrtle Beach housing authority should be your first stop! The organization works to help first time home buyers get the help they need. They can direct you to lenders who work with people who are low-income as well as those who do not have a great credit score!
Orangeburg County
Getting help as a first time home buyer in South Carolina is easy with the Southeastern Housing Authority in Orangeburg County. The program works with those who have never owned a home before. You could get help through down payment assistance and voucher programs that you can use toward purchasing a home.
Spartanburg County
The Spartanburg housing authority works with low-income homebuyers. You could get help with your purchase and even with your down payment.
Learn more about homeownership using these helpful resources.
Even though it might seem impossible now, homeownership can be yours if you figure out how to do it the right way. We found a lot of different ways to save you money and help you become a better homeowner. We found even more tips here!
