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NorthStar Funding - NON-QM Mortgage Specialists
South Carolina

South Carolina NON-QM Mortgage Specialist

Serving South Carolina's growing markets with specialized mortgage solutions. From Charleston entrepreneurs to Hilton Head retirees, we close loans that traditional banks decline.

NMLS #139369
127+ Five-Star Reviews
30+ Years Experience

South Carolina by the Numbers

$3.5M
Max Loan Amount
500
Min Credit Score
21
Days to Close
25+
SC Closings/Year

NON-QM Loan Programs for South Carolina

Specialized mortgage solutions designed for South Carolina's booming real estate market and diverse borrower profiles.

Bank Statement Loans

Perfect for Charleston's entrepreneurs, Myrtle Beach business owners, and Greenville freelancers

  • 12 & 24 month programs
  • Up to $3.5M
  • Credit from 620

DSCR Loans

Finance vacation rentals, Airbnb properties, and multi-family investments across SC

  • No income verification
  • Unlimited properties
  • 1.0+ DSCR ratio

Asset Depletion

Qualify using liquid assets — ideal for retirees relocating to South Carolina's coast

  • No employment required
  • Use stocks, bonds, retirement
  • Up to $3.5M

FHA Manual Underwriting

Second-chance homeownership for SC borrowers with credit events or thin files

  • Credit scores from 500
  • Recent bankruptcy OK
  • No credit score option

Foreign National

Serving South Carolina's growing international buyer market in Charleston and Hilton Head

  • No SSN required
  • ITIN accepted
  • Investment & primary

HELOC & HELOAN

Unlock equity in your South Carolina home with flexible draw options

  • All income types accepted
  • Up to 90% CLTV
  • Fast approval

South Carolina Markets We Serve

From the Lowcountry to the Upstate, we understand South Carolina's unique market dynamics and tailor solutions accordingly.

Charleston

Pop: 150K•Avg Home: $485K

Greenville

Pop: 73K•Avg Home: $325K

Columbia

Pop: 137K•Avg Home: $265K

Myrtle Beach

Pop: 35K•Avg Home: $340K

Hilton Head Island

Pop: 42K•Avg Home: $625K

Mount Pleasant

Pop: 96K•Avg Home: $650K

Recent South Carolina Closings

Real deals we've closed for South Carolina borrowers that traditional banks turned down.

$875K
Charleston, SC
Bank Statement

Restaurant group owner, 3 locations

$1.2M
Hilton Head, SC
Asset Depletion

Retired executive purchasing vacation home

$680K
Myrtle Beach, SC
DSCR

Short-term rental portfolio, 3 units

$425K
Greenville, SC
FHA Manual

First-time buyer, 18 months post-bankruptcy

Ready to Get Started in South Carolina?

Get your personalized NON-QM loan quote in 60 seconds. No credit check required.

Check your options

60 seconds. No credit pull.