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Mortgage Loans

At First Federal of SC, FSB, we want to help you find a loan with terms that will accomplish your financial goals in home ownership. Whether you are looking to purchase, construct, or refinance, we offer some of the most affordable, low-cost rates available, along with flexible terms to match your budget and lifestyle.

Advantages of First Federal of SC, FSB Loan Services:

Local Servicing

Lenders often sell their loans to other banks, and when they do, they usually pass along loan servicing responsibilities as well. This is not the case with First Federal of SC, FSB. We are a locally operated institution. For more than 50 years, our customers have trusted our dedicated staff to provide prompt, friendly service on all accounts. When you finance your home with First Federal, you can rest assured that you will always know where to direct any questions concerning your mortgage, because we service ALL of our loans locally. Whether you are in the process of obtaining a loan or making your last payment, one of our local loan services representatives will be here to answer your questions.

Real-time Processing

Another great benefit of banking with First Federal of SC, FSB is immediate processing. All transactions, including your mortgage payment, made at any of our offices, through telephone teller, or online banking, will be credited to your account immediately – no matter what time of day.

Personal Service

At First Federal of SC, FSB, we take great pride in our relationship with our customers. We look at every applicant as an individual. If you’d like our expertise in deciding which mortgage plan is right for you, don’t hesitate to call on one of our mortgage loan specialists at any of our office locations or contact loan services via email.

The Escrow Advantage

Taxes and insurance payments can take a big bite out of any family's finances--especially when the bill arrives unexpectedly. With our complimentary escrow service, we calculate your real estate taxes and homeowners insurance premiums in advance and include a portion of the unexpected billing with your monthly mortgage payment. Think of it as putting your real estate and homeowners insurance premiums on auto-pilot.

Mortgage Plans

Fixed Rate Mortgage Loans offer a "locked-in" rate. That means you can count on fixed principal and interest payments for the life of the loan.

Construction Mortgage Loans provide you with a fixed rate loan product. During construction you pay only the interest on the funds disbursed.

2nd Mortgage Loans offer funding for life’s necessities and its pleasures. Whether you need money for home improvements, debt consolidation, school tuition, or for that dream vacation, we are here to help you meet your needs with an affordable second mortgage.

Lot Loans allow you to purchase a lot and later build a home on that property. Terms and amortization period are flexible to help make financing your property more affordable until construction of your new home begins. 

Download and print the application, complete, and mail or deliver it to one of our convenient office locations. You will need Adobe Acrobat Reader to view this document.

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