Advantages of South Carolina FHA loans, FHA LENDERS AND FHA MORTGAGE PROGRAMS for South Carolina

Mortgage and Lending with 1st Continental

Advantages of South Carolina FHA loans

1ST Continental Mortgage is South Carolina FHA Mortgage Specialist.  We are approved by HUD to originate FHA Mortgage loans throughout South Carolina and beyond.

South Carolina FHA Mortgage Refinance,  South Carolina FHA Mortgage Questions, FHA Secure Program South Carolina South Carolina Home buyer Financing  ,   South Carolina Mobile Home Loans , South Carolina Luxury Home Loans FHA Mortgage Programs Have Many benefits for the South Carolina Homeowners and South Carolina Homebuyer

Welcome to the 1st Continental Mortgage FHA home loan program options. We're very excited that you've elected to give consideration to the very real and many benefits the FHA home loan has to offer the average homeowner and home buyer.

Did you know, the FHA home loan provides more security to homeowners than ANY other mortgage program today. In cases of financial difficulty, you have a higher probability of NOT losing your home if you have an FHA home loan Vs. having a conventional or Sub-Prime mortgage loan. Plus, all FHA home loans are FULLY assumable, adding one more layer of protection for you and your family!

Fill out a Quick Application Call us with any questions in regards to FHA financing at 954-391-8387



•·        Low Down Payment of 3% and 100% financing options available.

•·        95% of Appraised Value Cash-Out Refinance

•·        FHA Streamline Refinance  

•·        NO  Income Maximum Limits

•·        Gift Funds:  3% down payment  can come from FRIEND, FAMILY MEMBER OR NON PROFIT

•·         Seller CAN PAY UP TO 6% OF YOUR CLOSING COST!

•·        Down Payment Assistance  

•·        NO Cash Reserves Required

•·        Gap in Employment OK

•·        Self Employed 1-2 Yrs OK

•·        Permanent Alien OK

•·        NO pre-payment penalty

•·        FHA Secure



Minimal Down Payment and Closing Costs for the South Carolina Homebuyer and South Carolina Homeowner.

  • Down payment less than 3% of Sales Price and 100% Financing options available
  • Gift for down payment and closing costs are allowed up to 6% of Sales price
  • No reserves or savings required.
  • FHA PROGRAMS have Easy  Credit Qualifying Guidelines For South Carolina Buyers
  • No minimum FICO score or credit score requirements
  • FHA will allow a home purchase 2 years after a Bankruptcy.
  • FHA will allow a home purchase 3 years after a Foreclosure. 

More about FHA HOME LOANS visit   also known as 1st Continental Mortgage a, South Carolina Mortgage company is dedicated to spreading the word about the benefits of the FHA mortgage programs. FHA loans are available to first time homebuyers and homebuyers intending to occupy the property as a primary residence. With the sub prime market in turmoil and many lenders tightening up guidelines many mortgage companies are going back to the basics. Not only is the FHA mortgage easy to qualify for but there are many advantages to the program that the South Carolina homebuyer is  unaware of.

FHA mortgages are less expensive and easier for the first time homebuyer to qualify for. The program was created to help to increase homeownership in the United States. FHA program makes buying a home easier and less expensive than other types of real estate mortgage Programs. Some examples include,

Federal Housing Administration is a government program overseen by Housing and Urban Development (HUD) to help low to moderate income to help Americans to obtain FHA mortgage loan on a 1-4 unit home.


Income Requirements for South Carolina a FHA Mortgage Loan: 

There is no minimum income requirement to obtain an FHA mortgage Insurance, however, FHA would like to see steady income for at least 2 years, and demonstrate a consistently payment history. 


Debt-to-Income Ratio: 

The FHA allows you to use 31% of your gross monthly income towards housing costs and 43% towards housing expenses reflected on your credit report. With a conventional loan the debt to income rations allows only 28% toward housing and 36% towards housing expenses and other debt. These requirements are not etched in stone and buyers can exceed these ratios if, you have a large down payment, have substantial cash reserves and other means to satisfy the mortgage payments.


Down Payment: 

In order to qualify for an FHA mortgage you must have a down payment of at least 3% of the purchase price of the home. These funds can come from a friend, family member or a non profit.

To Apply visit


For more questions on FHA home loans visit our frequently asked questions at

 Proudly Serving These Communities:
Aiken | Anderson | Beaufort | Bennettsville | Charleston | Chester | Columbia | Conway
Dillon | Florence | Gaffney | Georgetown | Greenville | Greenwood | Hilton Head
Lancaster | Myrtle Beach | North Augusta | Newberry | North Charleston | North Myrtle Beach
Orangeburg | Seabrook | Seneca | Spartanburg | Sumter | Union | Walterboro

Proudly Serving These Counties:
Abbeville | Aiken | Allendale | Anderson | Bamberg | Barnwell | Beaufort | Berkeley | Calhoun
Charleston | Cherokee | Chester | Chesterfield | Clarendon | Colleton | Darlington | Dillon
Dorchester | Edgefield | Fairfield | Florence | Georgetown | Greenville | Greenwood | Hampton
Horry | Jasper | Kershaw | Lancaster | Laurens | Lee | Lexington | McCormick | Marion
Marlboro | Newberry | Oconee | Orangeburg | Pickens | Richland | Saluda | Spartanburg
Sumter | Union | Williamsburg | York


Other FHA Links listed below



FHA CONNECTION may be accessed by password only by registered lenders


FHA Frequently Asked Question

1st Continental Mortgage

FHA Frequently Asked Questions for Homebuyers


The contact to bid on HUD-acquired properties.




FHA underwriting guidelines


United States Department of Housing and Urban Development (HUD) Home Page.



HUD news, forms, handbooks, and mortgagee letters.


FEDERAL MORTGAGE PROGRAM INFO: approved condos, loan limits, counseling centers, etc.


Mortgage calculators, wish list, FHA programs, shopping for a home, building, rehab, ARM Handbook



FHA on Mobile Home Information

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