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Construction loan lenders in South Carolina

Local and national specialists financing new-home and owner-builder construction across South Carolina — with cost-to-build context to size your loan.

Quick answer

Construction loan lenders in South Carolina offer one-time close, two-time close, owner-builder, and FHA/VA/USDA programs. Conventional builds typically need 20–25% down; FHA can be 3.5% and VA/USDA 0% for eligible borrowers. Get matched free to compare specialists serving South Carolina.

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South Carolina directory

Lenders serving South Carolina

US Bank ✓ Verified

📍 All 50 states
One-Time CloseOwner-Builder2nd Mortgage / HELOCLand

Specializing on Construction to Perm Financing for Owner Occupied, Second Homes, ADU and Barndominium Properties. Will do OWNER BUILDER on case by case basis. Lot Financing Available. LENDING IN ALL 50 STATES!!!

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AgCarolina Farm Credit

📍 SC
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AgSouth Farm Credit

📍 SC
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Coastal Carolina National Bank

📍 SC
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Family Trust Federal Credit Union

📍 SC
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Fifth Third Bank

📍 SC, WV
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First Palmetto Bank

📍 SC
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Greenville Federal

📍 SC
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Greenville National Bank

📍 SC
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Movement Mortgage

📍 SC
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SAFE Federal Credit Union

📍 SC
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South State Bank

📍 SC
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United Community Bank

📍 SC
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Construction loans in South Carolina — FAQ

What down payment do South Carolina construction lenders require?
Conventional construction loans in South Carolina typically need 20–25% down; FHA one-time close can be 3.5%, and eligible VA and USDA borrowers may put 0% down.
Can I get an owner-builder construction loan in South Carolina?
Yes — some lenders serving South Carolina offer owner-builder programs, though approval is stricter than with a licensed general contractor. Get matched to compare them.
How do I compare construction loan lenders in South Carolina?
Compare the loan programs each lender actually originates (one-time close, two-time close, owner-builder, FHA/VA/USDA), their minimum loan amounts, and their true service area — or get matched free with specialists serving South Carolina.

Nearby: North Carolina · Georgia

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