Home Loans

Mortgage Loans

Buying a home is probably the biggest financial decision you will ever make. We understand this and are here to help you with a full range of mortgage products. So if you are building, buying or refinancing, we are here and ready to help.

  • Conventional/Conforming loans - with as little as 3% down payment
  • VA Loans- with 0% down payment
  • FHA Loans - with loan to value (LTV) up to 96.5%
  • First Time Home Buyer program
  • USDA - 100% financing on eligible properties and borrowers
It's important to calculate what your payment will be and how much you can afford. Use our mortgage calculator to estimate your monthly payment. If you would like more information, please contact Deke Broadwater at 803-978-2118 or 888-978-2101 ext. 1118

Current Rates

Mortgage Calculator

Call 888-978-2101 


Home Equity Line of Credit

Are you ready to remodel your home or do you have some critical repairs that need to be done? Maybe you have medical expenses, high interest debt or tuition bills that keep piling up. 

A PHCU Home Equity Line of Credit (HELOC) is a revolving credit loan with a variable rate for homeowners who want to borrow money from the equity in their home to pay for home improvements or other necessities.  Contact PHCU to see if a HELOC may be right for you. 

  • Only pay interest on what you borrow
  • Interest rates are typically lower than credit cards, and the interest may be tax deductible*
  •  Borrow up to 80% of appraisal value

For more information on a PHCU Home Equity Line of Credit, please call 803-978-2101 to speak to Melissa Plyler at ext 1106 or Deke Broadwater at ext 1118.

*Please consult your tax advisor regarding potential interest tax deduction on your state and/or federal tax returns.

 

Not sure where to start? Fill out the form below and a licensed PHCU Home Loan representative will be in contact with you shortly.