Mortgages

BOC logo

Home is more than just a house. It's where you start your lives together, where you host countless Sunday dinners, and where your baby takes their first steps. At AllSouth, we're here for you during all your life's major milestones--and buying your home is one of them.

AllSouth was voted "Best Mortgage Bank" in Columbia by readers of Columbia Metropolitan Magazine for 2018.  See why and let AllSouth help you find the home of your dreams.

Special Offers


First Time Home Buyer Program

If you have not owned property in the last three years, our First Time Home buyer program offers the following advantages:

  • No origination fee or points
  • Only 3% down payment
  • No home ownership education course or counseling required
  • No maximum income limitations
  • Available for the purchase of one-unit principal residence
  • Requires minimum 680 credit score
  • Low, fixed interest rate for 30 years

Personalized Quote


Conventional First Mortgages

Whether you're buying, building or refinancing, we provide a wide variety of mortgage programs and terms to meet your needs. As your credit union, we're able to offer very competitive rates and strive to minimize your out-of-pocket costs. Some of the benefits of getting your loan through AllSouth include:

  • 90 Days No Payment Program on select mortgages
  • Down payments as low as 3%
  • Competitive rates and minimal closing costs
  • No cost pre-approvals for home buyers
  • Terms from 10 to 30 years
  • Loans serviced locally

Learn More     Personalized Quote


Home Equity Lines of Credit (HELOC) and Second Mortgages

Whether you want to use some of your home's equity to set up a line of credit (HELOC) for future use or just take a one-time advance (2nd Mortgage), we can help you save on both options with low closing costs. You can borrow up to 80% of your home's current value, less any existing first mortgage balance.

Review our Home Equity Line Early Disclosure.

Personalized Quote


VA and FHA Mortgages

If you are looking for a Veterans Administration (VA) or Federal Housing Authority (FHA) mortgage, we can offer you those through a partnership with CU Members Mortgage. 

VA/FHA Quote


Foreclosure Prevention

If you're experiencing a financial hardship, let's explore the options to keep you in your home.

Questions?

Call our mortgage department at 803-736-3110 or 1-800-272-0695. Be sure to select option #2 for Loans and then option #2 again for Mortgages.