• What South Carolina is saying about us!

    "All I can say is WOW! They helped my family and I with 2 purchases. My home and a second home for my family. I've also referred friends, they are thoughtful, knowledgeable and available to help folks coming from all levels of incomes wanting to purchase all kinds of properties."

    What Our Clients are Saying About Us!

    "I have used Palmetto First two times to get a mortgage and one time for a refinance. There are many options in South Carolina for lending yet they have the best service and knowledge. Calls are returned promptly and they are always making suggestions on types of loans that help my drive my monthly expenses down. I will use them again in the future."

    What South Carolina is saying about us!

    "Palmetto First responds fast. They will do whatever it takes to help you buy a home. The staff is kind and cares about your goals. If you are looking to get pre-qualified for purchasing a home they are a valuable resource."

  • We Will Find the Right Mortgage for You

    Palmetto First Mortgage is committed to helping you find the right South Carolina mortgage product for your needs. We understand the loan business to be a fiercely competitive market. But we also believe that there is more to home financing than simply securing the lowest rate. We will offer you the best option to achieve your financial goals, whether you are a first-time home buyer, consolidating debt, or preparing for your retirement. From start to finish, we provide exceptional service.

    We specialize in South Carolina Vacation Home Loans!


    Based on client feedback, we constantly strive to improve our systems and technology to increase our efficiency and success ratio. We keep our fingers on the pulse of mortgage backed securities to ensure we provide the best interest rate possible.

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  • Latest News

  • Low-Income Loans Didn't Cause the Financial Crisis

    Did low income loans cause the housing bubble and collapse of the financial system? Many fingers have pointed to a lack of regulation, financial innovation that didn't live up to its promises of risk-sharing and risk-reduction, and low interest rates from the Fed, which created [...]

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    U.S. Mortgage Market Could Bounce Back in 2015

    Some of the more astute minds in the world of mortgage analysis chimed in last week, as they looked back on 2014’s rather laggard mortgage business activity. While 2014 was not the best year for the U.S. real estate space, these experts believe things may change for the better [...]

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    Do You Have a Client Self-Employed for Less Than 2 Years? Most lenders require a borrower to be self-employed for at least 24-months to use the income. This means a borrower must provide two years of tax returns and proof of being self-employed for a "full" two years through a [...]

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    U.S. Home Lending Set to Bounce Back in 2015 After Slump

    The U.S. mortgage market hit bottom in 2014. Chief economists at Fannie Mae and Moody’s Analytics Inc. as well as the Mortgage Bankers Association all predicted a turnaround this year after a record decline in 2014. “The worst is over,” said Mark Zandi at West Chester, [...]

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    Myrtle Beach Mortgage Rates Now Back to 20 Month Lows

    Myrtle Beach mortgage rates fell only modestly today, but it was enough for the best rate sheets since mid-May 2013.  That's a new 20 month low, on average.  The most prevalently-quoted conforming 30yr fixed rate for top tier scenarios is 3.625%, but 3.75% remains quite [...]

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    Here are three simple tips everyone should know before submitting a new mortgage loan application in South Carolina. This might seem like common sense, but in my many years as a home lending professional, I’ve seen so many applications get declined over some these common, [...]

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