Myrtle Beach mortgage program guide
Start with what you want to accomplish. This guide sends you directly to the right Myrtle Beach or South Carolina loan page for a home, condo, rental, construction project, refinance, or home-equity goal.
Educational guidance, not an approval or commitment to lend. Available programs and terms depend on the borrower, property, current guidelines, and lender.
Choose your goal
Choose the closest match. Each section explains the useful starting points and where to get the full answer.
Path 01
Start with how you will use the property and what you are buying. A primary home, second home, oceanfront condo, and luxury property can lead to different program comparisons.
For a condo or resort unit, check the building and project early, not only the buyer.
Path 02
The down payment is only one part of the comparison. Review mortgage insurance, cash to close, reserves, property eligibility, and the complete monthly payment together.
Inland homes, planned communities, and condos may create different insurance, association, and property-review costs.
Path 03
VA and USDA loans can offer zero-down financing for eligible borrowers and properties. Zero down does not necessarily mean zero cash at closing, so compare the complete transaction.
VA eligibility follows the borrower. USDA eligibility also depends on the property address and is more relevant around qualifying areas beyond the developed beach corridor.
Path 04
Investment-property and alternative-documentation programs answer different problems. Start with whether the property's rent or your business cash flow should drive the qualification review.
Short-term rentals, resort condos, HOA costs, insurance, and occupancy plans can materially change a Grand Strand investment comparison.
Path 05
A new construction loan and a purchase-renovation loan do different jobs. Choose based on whether you are building from the ground up or financing a home and improvements together.
Builder documents, plans, budget, property condition, insurance, and the draw process should be reviewed before you rely on a closing timeline.
Path 06
A refinance replaces the current first mortgage. A HELOC or second mortgage may leave it in place. Compare the goal, costs, repayment structure, and existing loan before choosing.
Use the property's current occupancy, value, insurance, association costs, loan balance, and ownership plan in the comparison.
Send the property type, intended use, purchase or refinance goal, approximate timing, and the question you want answered. We can compare the available paths and explain what fits the situation.
Grand Strand property questions
For an oceanfront condo or resort unit, review the project, association costs, insurance, assessments, rental activity, and intended occupancy early. Start with our Myrtle Beach condo-financing guide when the building may control the available options.
For a detached home in Carolina Forest, Conway, Longs, Surfside Beach, or another Grand Strand community, compare the complete payment and property requirements, not only the advertised program name. Coastal exposure, flood and wind coverage, taxes, association dues, and whether the home is a primary residence, second home, or rental can all change the useful path.
Serving buyers, homeowners, and investors across Myrtle Beach, North Myrtle Beach, Conway, Carolina Forest, Surfside Beach, Murrells Inlet, Longs, Loris, and nearby Grand Strand communities.
Quick answers
Use these answers to choose the next guide. A property-specific comparison should use current program requirements and complete borrower and property details.
A city page is useful when Myrtle Beach property types, borrower demand, or local financing questions change the answer. When the main program guidance is statewide, the direct South Carolina page gives you a stronger answer without repeating the same content on another city URL.
Start with the Myrtle Beach condo and condotel guide. It explains warrantable condos, non-warrantable projects, and resort units, then helps you identify the financing paths worth comparing.
Use the Myrtle Beach DSCR guide when accepted rent and the housing payment are central to qualification. Use the broader investment-property guide when you want to compare several rental-financing paths.
You do not need to select a loan before asking a question. Submit the property, intended use, financing goal, and the part you are unsure about. We can organize the relevant choices and help you compare them.
A clearer next step
Tell us what you want to buy, build, refinance, or accomplish with your equity. We will review the details, compare the available programs, and explain the useful next steps.
Benji Gecy, NMLS #302188 · Beaufort Lending, NMLS #1703543 · Equal Housing Lender
