Charleston Mortgage Broker
Charleston, South Carolina Mortgage Rates & Broker Services
Buying or refinancing in We compare rates from 20+ wholesale lenders to find your lowest rate. Local SC expertise, Charleston County knowledge, pre-approval in 24 hours.
$832,7502026 conforming limit (Baseline)
SC licensedNMLS #2134550
24 hrsPre-approval turnaround
20+ lendersShopped for your file
Charleston Mortgage Quick Facts
Charleston County uses the standard baseline conforming amount. Here's the snapshot of the Charleston, SC mortgage market.
$832,750
2026 Conforming Limit
(Baseline)
(Baseline)
$535K
Median Home Price
(Charleston Metro)
(Charleston Metro)
155K
Population
(Charleston)
(Charleston)
9 states
Where OnPoint is Licensed
(incl. South Carolina)
(incl. South Carolina)
Why Use a Mortgage Broker in Charleston
Charleston is SC's historic coastal anchor and a strong VA market thanks to Joint Base Charleston. Conforming at baseline ($832,750); waterfront and historic-district homes often push into jumbo. Hurricane-zone insurance affects payment underwriting.
Local SC Knowledge
Charleston County conforming limits, South Carolina-specific programs (DPA, USDA where applicable), and lender preferences for local property types.
20+ Wholesale Lenders
We shop your specific file across 20+ wholesale lenders to find the lowest rate that actually closes — not a teaser quote.
24-Hour Pre-Approval
Real pre-approval letter in 24 hours so you can submit competitive offers in the Charleston market without delay.
Loan Programs Available in Charleston
Every loan type used in the Charleston, SC market — we match your file to the lender and program with the best pricing for your scenario.
VA
Zero down for veterans and active-duty service members. No PMI ever.
Learn more →Conventional
Standard Fannie/Freddie loans for buyers with 3-20% down and 620+ FICO.
Learn more →Jumbo
Loans above the conforming limit, priced separately by wholesale lenders.
Learn more →FHA
3.5% down with 580+ FICO. Strong choice for first-time buyers.
Learn more →
Free · 24-Hour Turnaround
Get Your Charleston Mortgage Quote
A licensed South Carolina loan specialist will call within 24 hours with rate pricing matched to your file. No credit pull on the first call.
Got it. We’ll be in touch within 24 hours.
A South Carolina loan specialist will call you with pricing matched to your file.
☎ (877) 870-0007The Charleston Pre-Approval Process
Three steps to pre-approved and offer-ready.
1
Quote Request
Free analysis. No credit pull on the first call. We confirm your Charleston scenario and target rate.
2
Pre-Approval
24-hour turnaround with a real pre-approval letter you can submit with offers in the Charleston market.
3
Close in 21-30 Days
Standard close timing for most Charleston purchase loans. Refi typically 21-35 days.
Charleston Mortgage FAQ
What's the 2026 conforming loan limit in
Charleston is in Charleston County, which falls under the Baseline conforming tier at $832,750. Loans above that amount are jumbo and priced separately by wholesale lenders.
Is OnPoint Mortgage Pro licensed in
Yes. OnPoint Mortgage Pro is licensed in 9 states including South Carolina. Our NMLS ID is #2134550. We close loans in Charleston and across the entire state.
How fast can I close a mortgage in
Purchase loans in Charleston typically close in 21-30 days. Refinances (especially FHA Streamline and VA IRRRL) close in 14-21 days. We coordinate with Charleston-area title companies and appraisers to keep timelines tight.
Do you offer VA loans in
Yes. We close VA loans across South Carolina for active-duty service members, veterans, and surviving spouses. See our VA loan guide for current rates, eligibility, and the IRRRL streamline refinance program.
What's the minimum down payment for a Charleston mortgage?
VA: 0% down for eligible veterans. FHA: 3.5% with 580+ FICO. Conventional: 3% for first-time buyers, 5% standard. Non-QM and DSCR programs vary. We model all options at quote time for your Charleston scenario.
Get Your Charleston Mortgage Quote in 24 Hours
Free analysis from a licensed South Carolina mortgage specialist. No credit pull on the first call. Rate comparison from 20+ wholesale lenders.
☎ (877) 870-0007Mon-Fri 8am-7pm PT · Sat 9am-3pm PT · Licensed in 9 states · NMLS #2134550
Terms & Conditions: Charleston mortgage rates and program availability shown are illustrative. Actual rate depends on credit profile, debt-to-income, property type, occupancy, loan amount, and current market conditions at lock time. Charleston is in Charleston County, South Carolina, with a 2026 conforming loan limit of $832,750 (Baseline). Loans above that are jumbo and priced separately. Subject to credit and program approval. OnPoint Mortgage Pro is a licensed mortgage broker; NMLS #2134550. Equal Housing Lender.