South Carolina Jumbo Mortgage

South Carolina Jumbo Home Mortgage Loans-You key to your next luxury home.


You can call our mortgage brokers toll free or appy online. Our licensed mortgage brokers will get you the best rate on a South Carolina jumbo loan for your luxury home. There is no obligation.

  • Jumbo mortgages are categorized as loans in excess of $322,700.00 for single-family residences
  • Fixed rate loans always vary in price between conforming and jumbo loan amounts although some adjustable rate mortgages have much higher limits prior to altering the pricing
  • Available up to 4 million dollars
  • Construction, purchase, refinance or refinance with cash-out O.K.
  • We are luxury home specialists!


These loans do not conform to the guidelines established by Fannie Mae or Freddie Mac or exceeds the conventional loan limit is called a Jumbo loan. These loan amounts can go up to 2 million dollars. Loan to value limits for Jumbo loans range from 50% to 95% depending on the loan amount.

With this jumbo loan, borrowers can maximize their cash flow by making fixed rate interest only payments during the first five years of the 30 year jumbo loan. By freeing up their funds this loan program allows borrowers to direct their savings to short term investments or other interests. This can add up to substantial monthly savings and increased purchasing power.

Cash Out for Home Improvements or Debt Consolidation, etc.

Loan amounts range from $288,000-$2,000,000.

Fixed Rate - Fixed rate mortgage in a variety of terms up to $2,000,000 loan amount.

One Year Treasury ARM - One year adjustable rate mortgage that adjusts annually for loan amounts to $3,000,000.

3/1 Treasury ARM - Adjustable rate mortgage for loan amounts to $2,000,000 that has a fixed rate for the first three years and adjusts annually afterward.

5/1 Treasury ARM - Adjustable rate mortgage for loan amounts to $2,000,000 that has a fixed rate for the first five years and adjusts annually afterward.

7/1 Treasury ARM - Adjustable rate mortgage for loan amounts to $2,000,000 that has a fixed rate for the first seven years and adjusts annually afterward.

The interest rate on our Jumbo Mortgages are nearly as low as our conventional Mortgages. Another way to get the best rate is to consider an Adjustable Rate Jumbo Mortgage. These are frequently much lower, depending on short term rates.

Home loans are classified in a wide variety of ways. They can be classified by the amount loaned, whether the interest rate can be adjusted or not, the length of the payback period and so on. A fairly common and simple term to understand is the jumbo loan.

A jumbo loan is a loan that exceeds the maximum dollar amount guidelines set by FANNIE MAE, for a single family loan limit. Effective January 1st, 2005, this limit is $359,650 in all states except AK and HI. Most lenders use the Fannie may guide when underwriting loans over these set limits.

Given the higher risk from the perspective of the lender, you can expect to be treated a bit differently. In this case, lenders are going to charge higher interest rates than you would be able to get with a conforming loan. Before you panic, keep in mind we are talking about a quarter of a point in interest. For example, a conforming loan for $300,000 may have an interest rate of 5.5 percent whereas the same borrower will have to pay 5.75 percent if they borrow $800,000


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