Jumbo Home Loans in South Carolina

When the mortgage you need exceeds conventional loan guidelines.

 If you need a Jumbo Loan in SC you have found the right place. BrickWood Mortgage, Inc. has close to two decades of experience helping home buyers purchase or homeowners refinance with Jumbo Loan products. Whether it’s Myrtle Beach, Market Commons, Carolina Forest, DeBordieu, Charleston, or Mount Pleasant we can help you.

Why is it Important to Choose the right South Carolina Mortgage Company

Whenever you choose a specialized product you should consider a specialized lender. Our experienced team of Loan Officers will shorten the processing time and to facilitate a quick closing. Time is money and with rising rates it’s even more imperative to close quickly on a jumbo loan. We have you covered and have the track record to back it up. 

We have a 5 Star rating

Here at BrickWood Mortgage, Inc. we have an outstanding reputation in the Grand Strand and that shows in our ratings. We make sure that we exceed your expectations in a process that most customers dread. We keep open lines of communication and walk through the entire Jumbo Loan process together.  You can rest easy at night knowing your Jumbo Loan is in our hands at BrickWood Mortgage, Inc.

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What are some things to know about Jumbo Loans in South Carolina?

Benefits 

The advantage of the jumbo loan is that it can help you finance a higher priced piece of real estate. If you live in a high cost housing market or want a more expensive home a jumbo loan can help you accomplish this. 

What is considered a Jumbo Loan

Currently $647,200 for a single-family home in South Carolina. That was raised from $548,250 in 2021. The cause of this was skyrocketing home prices and giving the consumer more buying power. 

Application

The application process for a jumbo loan is similar to that for any mortgage application. You’ll fill out an application, agree to a credit check and submit the required financial documentation. This usually will include tax returns, W-2’s, paystubs and bank statements. One of our highly qualified Loan Officers will let you know what else may be needed for your specific situation.

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Eligibility

Because jumbo loans in SC are riskier than other mortgages you will need to be well qualified- meaning have good credit scores, manageable monthly debts, solid income, and in the case of a purchase, a decent amount of money to put down. Most of the time 20% down is required however there can be programs that require as little as 10%. 

 

Cash Reserves

Generally at least 6-12 months of future mortgage payments must be in the bank before you can be approved for a jumbo loan in SC. (This can’t include any of the funds designated for the down payment or closing costs).

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Refinancing a jumbo loan

You can refinance a jumbo loan just as any other type of mortgage. Depending on how much your loan amount is you can even refinance from a jumbo loan into a conforming loan. 

Where can I get the best rates on a Jumbo Loan

The answer to this is simple. Call the BrickWood Mortgage, Inc. experts at (843) 314-4101. Our clients come to us for JUMBO loans to make sure they get the best deal or lowest rate for their situation, discuss options and get a step closer to their South Carolina Jumbo dream homes.

Why Choose BrickWood Mortgage for a Jumbo Mortgage in SC?

Specialist Expertise

We launched in 2007, and we’ve had the privilege of helping many people obtain South Carolina jumbo loans. Whether you want to purchase or refinance with a jumbo loan, our expertise and knowledge will guide you through the appropriate steps with efficiency.

trusted service

Just look online and you’ll see our amazing reviews. We have a five-star rating on Google, and this is because we go above and beyond to help clients. We appreciate that the world of mortgages can seem scary, so we’re transparent, we communicate, and we aim to make your life easier, day after day. 

enjoy the best rates

We have access to many national lenders, so you’re in great hands for securing the best South Carolina jumbo mortgage rate. Don’t just contact one lender and close yourself off to potentially stronger options. We understand the market, and we know how to get the best rates for every client. Let our tailored approach secure your financial future.

start the new chapter

Whether purchasing or refinancing, you want to start the next chapter of your financial life with confidence. No need to question decisions or get lost in paperwork. Have a specialist by your side who understands the process and make informed decisions.

personalized service

At BrickWood Mortgage, we pride ourselves on customer service, and this is symbolized in our tailored, friendly service. You’ll only ever get personalized advice. What’s more, our one-on-one customer service means that there’s always somebody ready to answer your questions and concerns. 

variety of products and Services

Have you explored all your options? Often, our clients don’t fully understand the range of products available to them, and this is where we come in. Whether it’s SC jumbo loans, conventional loans, VA loans, FHA loans, VA IRRRL loans, reverse mortgages, or bank statement loans, you’ll soon know the right route for you. 

Amazing resources

If you’re still discovering your options, we highly recommend reaching out for tailored advice. You’re also welcome to browse our website and enjoy the resources we’ve put together – this includes a mortgage calculator, reverse mortgage calculator, full guides, blog posts, FAQs, forms and links, and more. 

Personable business

When you choose BrickWood Mortgage, you don’t get a nameless voice on the end of the phone. You get real people, people who understand your position and are passionate about helping you make strong financial decisions. Paul is a South Carolina native, Timmy is a Grand Strand native, Patrick lives in Surfside Beach, and Kinsey is originally from Hartsville, SC. We even have a miniature Dachshund called Braxton who loves to meet new people. We care about SC, and we care about you!

 

When you work with BrickWood Mortgage, you get specialist loan officers who know everything from the jumbo loan limit in South Carolina to W-2 forms and credit scores. If you lead a busy life, don’t let the minutiae of a loan application get in the way. We’ll take you through the benefits of various programs, the application process, eligibility, cash reserves, and other details. 

Ultimately, you can purchase or refinance a home for the best jumbo loan rate in South Carolina with us. There’s a misconception that you can only get a jumbo loan with a credit score of at least 700. While lenders do prefer a higher score, we can put you in touch with lenders that have flexible underwriting. We’ll always consider your credit profile and other factors before suggesting the best option for you. 

Contact our brilliant team today to get started! 

Jumbo Home Loan FAQs

A: Yes, jumbo loans in South Carolina can be used for primary residences, second homes, or investment properties. We’ll help you determine the right strategy based on your purchase plans and financial goals.

A: Down payment requirements can vary, but most jumbo loans require at least 10% to 20% down. Some lenders offer lower down payment options for well-qualified borrowers. We’ll explore all the jumbo loan programs in South Carolina with you.

A: Absolutely. Whether you want to lower your rate, change your loan term, or tap into home equity, we help you discover jumbo refinance options in South Carolina. We’ll walk you through the benefits and help you decide if refinancing makes sense.

A: Generally, yes—most lenders require a credit score of 700 or higher for a jumbo loan. However, we work with lenders that offer flexible underwriting, and we’ll guide you toward the best options based on your credit profile.

A: Jumbo loans are available in a variety of terms, including 15-year, 20-year, and 30-year fixed, as well as adjustable-rate options (ARMs). We’ll help you choose a term that matches your budget and long-term plans.

A: Jumbo loans are suited for buyers with strong incomes, solid credit profiles, and sufficient reserves. We’ll perform a full analysis of your financials to help you understand your readiness and how to improve your qualification if needed.

A: Yes—we take a personalized approach. Whether you’re buying a custom home, relocating, or refinancing a luxury property, our team tailors jumbo mortgage options that reflect your lifestyle, goals, and financial picture in South Carolina.

A: Boosting your credit score, lowering your debt-to-income ratio, and increasing cash reserves are strong steps. We’ll provide a personalized roadmap based on your financial snapshot.

A: We combine local South Carolina experience with access to a wide range of jumbo lenders. Our personalized service ensures that high-net-worth clients get competitive rates, flexible terms, and a seamless mortgage experience from start to finish.

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