Home, Sweet Loan

From your first home to your next big move, SPC has you covered. Home purchases, refinancing, property loans, Home Equity Lines of Credit — plus down payment assistance to help make homeownership possible sooner. Whatever your next step, we're here to help you make it happen.

Real Estate Loans & Home Equity Options

Whether you're buying, refinancing, or building from the ground up, SPC has a mortgage to match. Choose fixed or adjustable rates and build a payment plan that fits your life. Your dream home is closer than you think — and we can't wait to help you get there.

home ownership terms to know
  • Looking for a better rate or a payment that fits your life today? Refinancing with SPC could lower your monthly payment or help you pay off your home sooner.

down payment assistance

Don't let a hefty down payment get you down — SPC's Down Payment Assistance loans are here to lighten your load! First-time homebuyers may qualify for a zero-percent interest, forgivable loan of up to $5,000 toward down payment and/or closing costs.

  • Down Payment Assistance loans are available to first-time homebuyers — anyone who has never owned a home or hasn't owned one in the past 3 years. Applicants must meet the following requirements:

    • First-time homebuyer status

    • Credit score of 620 or higher

    • Completion of the Fannie Mae Home Ownership online course (with certificate)

    • Individual or household income at or below 100% Area Median Income (AMI)

    • $2,000 of personal funds available for down payment or closing costs

    • Completed and approved mortgage loan application

  • Access the Down Payment Assistance application by clicking here. Your information remains confidential.

    For additional eligibility details, contact our Mortgage Team — or stop by and see them in person at 124 N. Fifth Street in Hartsville.

  • Owning a home has often been considered the American Dream — and for good reason! Homeownership is linked to:

    • A better quality of life — homeowners report greater self-esteem, more control over their lives, and stable home environments that help children thrive in school.

    • Stronger communities — homeowners stay in their communities 4x longer than renters and are 16% more likely to be involved in local schools.

    • Financial well-being — a homeowner's net worth is 36 times that of a renter, and mortgage interest may be tax-deductible.

Ready to get started? Click "APPLY NOW" to take the next step toward homeownership!

VA, FHA, & USDA Loans

SPC is thrilled to be able to offer Veterans Affairs (VA), Federal Housing Authority (FHA), & United States Department of Agriculture (USDA) Loans to our members. Take a look at each of these options below to see if you qualify and if any are the right fit for you.