Charleston, SC

Loan Products & Programs

We offer a comprehensive range of mortgage products to meet every homebuyer's and investor's needs in Charleston, SC and beyond.

Conventional Loans

Traditional mortgage financing with competitive rates for qualified borrowers. Ideal for buyers with strong credit and stable income.

  • Down payments as low as 3%
  • Fixed and adjustable rates
  • No upfront mortgage insurance
  • Flexible term options

FHA Loans

Government-backed loans with flexible qualifying requirements, perfect for first-time homebuyers and those with less-than-perfect credit.

  • Down payments as low as 3.5%
  • Lower credit score requirements
  • Competitive interest rates
  • Gift funds allowed

VA Loans

Exclusive benefits for veterans, active-duty service members, and eligible surviving spouses. One of the best mortgage products available.

  • No down payment required
  • No private mortgage insurance
  • Competitive interest rates
  • No prepayment penalty

U.S.D.A. Loans

Zero down payment loans for eligible rural and suburban homebuyers. A great option for properties in qualifying areas.

  • No down payment required
  • Low mortgage insurance
  • Competitive fixed rates
  • Flexible credit guidelines

Equity Lines (HELOC)

Tap into your home's equity with a flexible line of credit. Use funds for renovations, debt consolidation, or any major expense.

  • Flexible draw period
  • Interest-only payment options
  • Competitive variable rates
  • Fast approval process

Nationwide High Balance Loans

Financing solutions for higher-priced properties that exceed conventional loan limits, with competitive rates and terms.

  • Loan amounts above conforming limits
  • Competitive jumbo rates
  • Various term options
  • Primary and second homes

Construction Loans

Finance the construction of your new home with a loan that converts to a permanent mortgage upon completion.

  • One-time close option
  • Interest-only during construction
  • Flexible draw schedules
  • Custom build financing

Business Loans

Commercial and business financing solutions to help entrepreneurs and investors grow their real estate portfolios.

  • Commercial real estate
  • Investment property financing
  • Flexible underwriting
  • Competitive terms

Ready to Find the Right Loan?

Our experienced mortgage professionals are ready to help you navigate your options and find the perfect loan program for your situation. Contact us today for a free consultation.

NMLS ID: 103035 | Licensed in FL, SC, TN

NMLS ID: 103035

Coastal Funding Corporation

Charleston, SC

Office Hours

Monday – Friday: 9am – 9pmSaturday: By appointmentSunday: By appointment

Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law.

© 2004–2026 Coastal Funding Corporation Inc. NMLS: 103035. Trade/service marks are the property of Coastal Funding Corporation Inc. or their respective affiliates and/or subsidiaries. Some products may not be available in all areas. This is not a commitment to lend. Restrictions apply. All rights reserved. Terms and Conditions Apply. Licensed in FL, SC, TN.