Our Mortgage Loan Services

Adjustable Rate Loans

An ARM is a type of home mortgage in which the interest rate applied on the outstanding balance varies throughout the life of the loan. Normally, the initial interest rate is fixed for a period of time, after which it resets periodically, often every year or even monthly.

Construction Loans

Because construction loans can be more difficult to obtain than a standard mortgage loan, there a few things you can do to qualify:

• Maintain a healthy credit score
• Secure a higher down payment
• Hire a reputable contractor
• Have a financial cushion in place

Give us a call to discuss a construction loan possibility with one of our experienced loan officers.

Fixed Rate Loans

A fixed-rate mortgage is a mortgage loan that has a fixed interest rate for the entire term of the loan. This is one of the most popular mortgage loans chosen by homeowners.

Jumbo Loans

A form of home financing for whose amount exceeds the conforming loan limits set by the Federal Housing Finance Agency (FHFA). As a result, unlike conventional mortgages, it is not eligible to be purchased, guaranteed or securitized by Fannie Mae or Freddie

Mobile Home Financing

Bank of the Lowcountry offers a range of manufactured and modular home financing options to meet the needs of all types of home buyers.

Speak to one of our business banking professionals to find the mortgage loan that’s right for you.

Banking Services

Specialties

• Personal Banking
• Business Banking
• Certificates of Deposit
• Individual Retirement Accounts
• Commercial Money Market Accounts