If you’re looking to purchase a home, "Don’t buy your dreams. Build them."

If you’re new to South Carolina, or even if you’ve been here a minute, SAFE can meet your home loan needs regardless of the type of home you’re looking for, even if that means building a home from the ground up. SAFE lets you build your dreams for less with just 5% down and a one-time close, saving you money that you can use for something nice for your new place!

At SAFE we save you money, not only with a lower down payment to build your dreams, but with more cost savings with a one-time close. That way you aren’t closing on a construction loan and then paying more fees to close again on a 30-year mortgage, wrapping it all in to one process and getting you in your new home sooner. Plus, we do it for less, only requiring 5% down payment where most lenders charge 20%.

Get started today by calling (803) 469-8600 ext. 2313.

Residential First Mortgage

First-time home buyers have unique needs. At SAFE, we have a mortgage to support those members.

  • Low, fixed 4.000% APR
  • 20 year loan with 1% origination fee as a primary residence
  • Up to 80% loan-to-value
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Freedom 7 Mortgage

The SAFE way to own your home in seven years!

  • Low, fixed 3.500% APR
  • No closing costs or appraisal
  • No prepayment penalties
  • Up to 70% loan-to-value
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Construction to Permanent

SAFE's new three stage mortgage that allows you to finance the construction of your new home.

  • Stage 1: Application/Decision
    Lock your interest rate and close your loan before constuction.
    This is a one-time closing with no need to re-qualify for the permanent phase.
  • Stage 2: Building and Disbursement
    During construction, disbursement is made to cover the cost to build; interest is paid only on the outstanding balance.
  • Stage 3: Conversion
    Upon completion, the loan converts to a permanent mortgage.
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Home Equity Line of Credit

A HELOC lets you borrow when you need it and in the amounts you need. And you only pay interest on what you've borrowed.

  • Convenient access to funds
  • No closing cost or appraisal*
  • Up to 80% combined-loan-to-value

*Minimum initial loan amount is $15,000

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*Mortgages on approved credit with optional terms including 10, 15, 20 and 30-year repayment term. Rates and monthly payment vary based on credit worthiness, term, loan to value, and other factors. Construction to Permanent Mortgage Rates range from 3.625% APR to 5.250% APR as of April 10, 2019 and are subject to change without notice. Minimum down payment is 5% of loan with maximum loan amount of $424,100 and minimum of $25,000. Other restrictions may apply. See us for details. SAFE is an Equal Housing Lender.