Mortgage Broker in Myrtle Beach, SC

• FHA

  At the $258,000 median, 3.5% down is about $9,030 for eligible primary residences under the FHA limit.

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• Conventional

  3% down is about $9,750 on the estimated median for eligible primary-residence buyers; second-home rules differ.

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• VA

  $0 down, no monthly mortgage insurance, for eligible buyers on qualifying primary residences.

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• Investment / DSCR

  Strong short and long-term rental demand in tourism corridors; qualify on the property's income when the purchase is investment.

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• Self-Employed / Non-QM

  Bank-statement and P&L options.

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Program eligibility, guidelines, and pricing are set by the applicable investor, agency, or program and are subject to change without notice. Not all applicants will qualify. This information is for educational purposes only and is not a commitment to lend.

• Oceanfront condo corridor

  Tourism-influenced, high-rise and mid-rise coastal.

  Oceanfront and near-ocean condos are the Grand Strand's most visible product type. Financing often hinges on condo project approval, HOA financials, rental caps, and occupancy type. Primary-residence buyers should compare dues and insurance against an inland single-family payment. Investment and second-home guidelines apply when the unit will not be your main home.

  Price band

  Wide range; oceanfront premiums sit well above inland medians.

  Loan fit (educational)

  Depends heavily on occupancy and project approval. Confirm condo eligibility early.

  Watchouts: Flood and wind insurance, HOA litigation, special assessments, and short-term rental rules.

• Market Common

  Planned, walkable, and amenity-oriented.

  Market Common mixes townhomes, condos, and walkable retail with a planned-community feel. HOA documents and dues are part of ownership here. Pricing reflects location convenience and newer stock. Financing follows primary, second-home, or investment rules based on how you will use the property.

  Price band

  Often near or above inland Myrtle Beach averages.

  Loan fit (educational)

  Conventional is common on approved projects. FHA when primary occupancy and project rules allow.

  Watchouts: HOA health, rental restrictions, and insurance requirements deserve a full read.

• Carolina Forest

  Suburban, family-oriented, and inland from the strand.

  Carolina Forest is a frequent choice for primary-residence buyers seeking single-family homes and planned amenities inland from the beach. Prices can sit closer to attainable bands than oceanfront product. HOAs appear in many communities. A clear payment target, including dues, keeps comparisons with Socastee and Conway grounded.

  Price band

  Often nearer the metro median than oceanfront premiums.

  Loan fit (educational)

  FHA, conventional, and VA are frequently discussed for primary homes.

  Watchouts: HOA fees and any flood or drainage questions at the parcel level.

• North Myrtle Beach

  Beach-town residential with tourism influence.

  North Myrtle mixes beach-adjacent living with a distinct town identity and a wide range of condos and single-family homes. Occupancy type drives program choice as much as list price. Seasonal rental patterns are common in parts of the area. Educational planning on insurance and HOA rules should happen before you write a strong offer.

  Price band

  Wide range from inland entries to beach-adjacent premiums.

  Loan fit (educational)

  Primary-residence conventional, FHA, or VA when eligible; investment or second-home rules otherwise.

  Watchouts: Flood insurance, condo approval, and short-term rental ordinances.

• Garden City and Murrells Inlet adjacent

  Coastal-adjacent with fishing-village and beach pockets.

  Garden City and Murrells Inlet-adjacent addresses attract buyers who want coastal lifestyle with a slightly different pace than the main Myrtle strip. Marsh, flood, and insurance questions still apply at the parcel level. Second-home and investment purchases are common. Clarify occupancy before choosing a loan path.

  Price band

  Often premium relative to inland Horry options.

  Loan fit (educational)

  Depends on occupancy. Conventional is typical; investment structures when rent is the plan.

  Watchouts: Flood zones, wind coverage, and HOA or condo documents on attached products.

• Socastee

  Practical residential with varied housing ages.

  Socastee remains a practical entry for many primary-residence buyers who want Grand Strand access without oceanfront pricing. Housing stock mixes older single-family homes with newer subdivisions. Condition and appraisal standards deserve attention on lower-priced listings. Pair a realistic repair budget with the right loan program.

  Price band

  Often among the more attainable local bands.

  Loan fit (educational)

  FHA and conventional low-down options are frequently a fit for primary residences.

  Watchouts: Older homes may need repairs that affect FHA or VA minimum property standards.

• Conway-adjacent

  Inland suburban and small-city adjacent.

  Conway and nearby inland addresses attract buyers seeking more house for the money while staying in the Horry County orbit. Newer subdivisions and older downtown Conway stock create different price bands. Financing is usually a standard primary-residence file. Cross-town comparisons only work when cash to close is already clear.

  Price band

  Often more attainable than beach-corridor premiums.

  Loan fit (educational)

  FHA, conventional, and VA are commonly discussed. USDA may apply on some eligible addresses.

• Golf communities

  Amenity-rich, planned, and lifestyle-oriented.

  Golf and amenity communities across the Grand Strand often include HOA dues, design standards, and a mix of primary, second-home, and investment owners. Loan sizing should include dues and insurance, not only principal and interest. Occupancy type must be stated clearly up front. Educational review of HOA and rental rules beats surprises after contract.

  Price band

  Wide range; many sit above simpler inland single-family options.

  Loan fit (educational)

  Conventional is common. Program choice follows occupancy and price.

  Watchouts: HOA covenants, special assessments, flood where applicable, and rental restrictions.

• How much do I need for a down payment in Myrtle Beach?

  On the $258,000 median, about $9,030 with FHA (3.5%) or $7,740 with a 3%-down conventional loan for eligible primary residences. Second-home and investment purchases usually require more cash down. VA can be $0 down for eligible primary-residence buyers.

• Do I need flood insurance in Myrtle Beach?

  If the home is in a FEMA Special Flood Hazard Area and you have a mortgage, yes. Coastal and marsh-adjacent parcels deserve an insurance quote before you finalize your budget.

• Can I buy a condo as an investment or second home?

  Often yes, but condo project approval, HOA rules, and occupancy type all matter. Investment and second-home guidelines differ from a primary residence. We review those educationally before you tour.

• What is DSCR and when does it come up here?

  DSCR loans qualify using the property's rental income rather than personal W-2 income. They come up often on Grand Strand investment purchases, not on typical primary-residence files.