Your South Carolina mortgage broker, Charleston to the Upstate.
Licensed in South Carolina and shopping multiple wholesale lenders on every scenario — purchases, refinances, and investment property financing across the Palmetto State.
One broker.The whole market.
Working with a broker means your loan scenario is shopped across multiple wholesale lenders instead of being limited to one bank's rate sheet. For South Carolina buyers and homeowners, that often means a better rate, a smoother approval, or both.
Alejandro Betancourt (Mortgage Broker, NMLS #885110) works with clients across South Carolina — Charleston, Columbia, Greenville, Rock Hill, Fort Mill and beyond — with the same tools and process whether you're buying your first home or your fifth investment property.
Beacon Mortgage & Funding LLC is licensed in FL, GA, NC, SC AND PA, and most loans fund in under 30 days from application to closing.
What we do in South Carolina
- 01Purchase LoansFHA, VA, USDA, conventional and jumbo purchase financing across South Carolina, with a free pre-approval letter to start.
- 02RefinancingRate-and-term, cash-out, and streamline options — compare the numbers before you commit.
- 03Investor SolutionsFix-and-flip, ground-up construction, and DSCR rental financing structured for South Carolina investors.
- 04Fast ClosingsMost loans fund in under 30 days from application to closing — so you don't miss the property you want.
Financing the Palmetto State,end to end.
A plain-language guide to buying, refinancing, and investing in South Carolina real estate — and how a broker changes the math.
A South Carolina mortgage broker who shops the market for you
Beacon Mortgage & Funding LLC is a broker, not a single bank. Instead of accepting one institution's rate sheet, your scenario is shopped across multiple wholesale lenders — which is often where a better rate or an approval others missed is found.
Alejandro Betancourt (NMLS #885110) is licensed in South Carolina and works with buyers and homeowners across the state, from Charleston and Columbia to Greenville, Rock Hill, Fort Mill, Myrtle Beach and everywhere between.
South Carolina home purchase loans, from first-time buyers to jumbo
South Carolina's market ranges from entry-level starter homes to coastal Charleston and Lowcountry jumbo properties, and the right loan program changes with the price point. FHA loans offer flexible qualification for first-time buyers, VA loans give eligible service members and veterans no-down-payment options, and conventional programs start as low as 3% down for well-qualified borrowers.
Above conventional loan limits, jumbo and super jumbo financing takes over — heavier documentation and more structure choices, where an experienced broker matters most.
Refinancing a South Carolina home
Whether the goal is a lower monthly payment, a shorter term, or cash out of existing equity, a refinance starts with comparing today's terms against your current loan — not with a sales pitch.
South Carolina homeowners can use the Refinance Rate Checker to see what a new rate, term, or cash-out structure would actually do to the numbers before committing to an application.
South Carolina investment property and private lending
From the Charlotte-area suburbs in York County to the coast, South Carolina is an active market for real estate investors. Beacon offers investor-friendly financing for fix-and-flip projects, ground-up construction, DSCR rental loans, and investment property acquisitions — common-sense underwriting built around the deal, not a W-2.
Fast draws and flexible structures keep projects moving, whether it's a single flip or a growing rental portfolio.
Get your personalizedmortgage options.
Mortgage rates change every day, and your rate will vary based on your location, finances, and other factors. Pick the line that matches your situation — you'll go straight to the right tool.
Prefer to talk it through? (786) 305-7934