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No Down Payment Options

Our 100% financing options eliminate the need for a large down payment so you can spend your money on the other expenses that come along with buying a new home.

  • Enjoy no or low down payments on our 5/5 Adjustable Rate and 15 Year Fixed Rate Mortgages.
  • No origination fees or points1 (lower closing costs for you).
  • Eligible for Rate Protection Plan.We’ll lock your rate for 45 days. If rates are lower at time you’re ready to buy, you’ll get the lower rate.
  • Pre-approval letter available upon request.

No Down Payment Mortgage Options 


5/5 Adjustable Rate Mortgage (ARM)

Our 5/5 ARM gives you the advantage of an exceptionally low rate for the first five years.3 After that, a rate change of no more than 2% happens every five years. With this option you could save more money over the first 10 years compared to our standard 30 year financing. Our 5/5 ARM also has reduced closing costs. 

15 Year Fixed Rate Mortgage

Our Fixed Rate Mortgages combine security and low cost.  You'll be secure with a fixed rate for the full life of the loan - meaning your rate will not go up.  Plus, no cost pre-approvals, competitive rates and minimal closing costs.1 You'll also be able to enjoy lower payments associated with long term financing. 

Ready to learn more or check rates? Our Mortgage and Home Buying Center will walk you through the mortgage process. 

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1Other fees and requirements may apply. Available on primary residences located in the state of South Carolina. Qualification is subject to creditworthiness. Interest rates vary by product and are subject to change. Offer is available for a limited time and is subject to end without notice. 2Only pre-approval requests for 5/5 ARM, 15 Year Fixed Mortgage, 10 Year Fixed Mortgage, Rental/Investment and Land qualify for the Rate Protection Plan. 3All loans are subject to credit approval. Terms and conditions are subject to change at any time without prior notice.