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Find a Lending Partner

Imagine buying your dream home. Connect with a lender to help you make it happen.

Garden City Realty works with many mortgage companies and banks as well as giving potential homeowners the option to select a mortgage lender of their choice.

We partner with local financing experts who are ready to guide you through the home buying process. These trained and certified loan originators specialize in financing homes in the Grand Strand area real estate market. They are prepared to find the right loan program with competitive rates and low down payments for you.

If you are a first time homebuyer, before you choose a mortgage company and loan officer, find out if you qualify for any of the following programs by choosing a SC Housing participating Lending Partner.

SC Housing Homebuyer Program

SC Housing promotes homeownership opportunities to first-time and move-up homebuyers with fixed-rate mortgages and down payment assistance to help cover down payment and closing costs.

To apply for the SC Homebuyer Program, look for a Participating Lending Partner located in the county you are looking to purchase a home. We have included some Participating Lending Partners in Horry and Georgetown Counties below.

SC Mortgage Tax Credit Program

The SC Mortgage Tax Credit is a Mortgage Credit Certificate (MCC) program administered by the South Carolina State Housing Finance and Development Authority (SC Housing). It provides a federal income tax credit to qualified homebuyers of up to $2,000 per calendar year. The MCC allows a homebuyer to convert a portion of their annual interest deduction on their primary residence into a Federal Tax Credit. 

Housing Choice Voucher Homeownership Program

SC Housing provides current Housing Choice Voucher program participants the opportunity to participate in a home ownership program that will help them advance from rental housing to owning their own home. If a family meets the criteria stated below, the rental voucher can be changed to a home ownership voucher.

Palmetto Home Advantage

Palmetto Home Advantage offers Conventional, FHA, VA, and USDA loan options for first-time, move-up, and repeat buyers with no first-time home buyer requirements for new and existing homes across all 46 counties in South Carolina. All program options require a minimum 640 credit score, have no sales price limits, and follow all applicable insurer guidelines with a borrower income limit of $115,000. The income limit is not dependent on family size and is not based on total household income.

County First Initiative

County First is a rural initiative designed to provide potential homebuyers, in underserved communities, with additional resources when local economic conditions make homeownership difficult. Funding is available for both first-time and move-up borrowers. The program includes up to $8,500 forgivable down payment assistance and special fixed-rate financing. Borrowers can choose FHA, Conventional, USDA, or VA financing.

Government-backed home loans and mortgage assistance

Tax Tips for SC Homeowners

Many South Carolina homeowners qualify for annual state tax credits. For instance, if you are remodeling or buying an energy-efficient home, you could qualify for a tax credit. South Carolina also exempts a portion of property taxes for some homeowners, depending on their qualifications.

Garden City Realty Preferred Lenders

Below is the list of mortgage companies and loan officers we most frequently work with.

SC Housing
Lending Partners
Company NameAddressLoan OfficerPhone NumberEmail Address
SCH Participating
Lending Partner
Atlantic Bay Mortgage Group, LLC1113 44th Avenue North,
Suite 303,
Myrtle Beach, SC 29577
Stephen Funderburk
NMLS# 113736
SCH Participating
Lending Partner
CMG Home Loans4712 Oleander Drive,
Myrtle Beach, SC 29577
Michael Skinner
NMLS# 195914
SCH Participating
Lending Partner
First Reliance Bank507 21st Avenue North,
Myrtle Beach, SC 29577
Jonathan Messimer
NMLS# 506627
SCH Participating
Lending Partner
Gateway Mortgage Group1109 48th Avenue North,
Suite 112,
Myrtle Beach, SC 29577
Bryan Davenport
NMLS# 411879
SCH Participating
Lending Partner
Guild Mortgage Company1312 Professional Drive,
Myrtle Beach, SC 29577
Erica Davis
NMLS# 992801
SCH Participating
Lending Partner
Guild Mortgage Company 2050 Corporate Centre Drive,
Suite 200,
Myrtle Beach, SC 29577
Tim Diedrich
NMLS #254709
SCH Participating
Lending Partner
Movement Mortgage, LLC 520 S Highway 17
Surfside Beach, SC 29575
Cindy Hines
NMLS #659093
SCH Participating
Lending Partner
Movement Mortgage, LLC4714 Oleander Drive,
Myrtle Beach, SC 29577
Kendra Shortz
NMLS# 1298196
SCH Participating
Lending Partner
Movement Mortgage, LLC4714 Oleander Drive, Suite A,
Myrtle Beach, SC 29577
Amanda Phillips
NMLS# 474258
SCH Participating
Lending Partner
Neighborhood Loans, Inc.2411 N Oak Street, Suite 102,
Myrtle Beach, SC 29577
Max Neubauer
NMLS# 1113328
SCH Participating
Lending Partner
South State Bank211 Hwy 17 North,
Surfside Beach, SC 29575
Patricia Stanley
NMLS #607896
SCH Participating
Lending Partner
Southern Trust Mortgage75 Port City Landing,
Suite 110, Room 2010,
Mt Pleasant, SC 29464
James Burton
NMLS# 2121317
Anderson Brothers Bank 1799 Highway 17 North,
North Myrtle Beach, SC 29582
Kraig Thorton
NMLS # 627760
Carolina Trust Federal Credit Union 1010 21st Avenue North,
Myrtle Beach, SC 29577
Connie Thompson 843-443-8551
Coastal Carolina National Bank 2961 Highway 17 Business,
Garden City, SC 29576
Megan Jacobsen
NMLS# 280619
Conway National Bank4345 Highway 17 Bypass
Murrells Inlet, SC 29576
Conway National Bank4345 Highway 17 Bypass,
Murrells Inlet, SC 29576
Fairway Independent Mortgage Corporation 695 Main Street, Unit 3,
North Myrtle Beach, SC, 29582
Richard Bischoff
NMLS# 1521171
Fairway Independent Mortgage Corporation 695 Main Street, Unit 3,
North Myrtle Beach, SC 29582
Michael Himmelrick
NMLS# 415216
Georgetown Kraft Federal Credit Union 49 Jetty Drive,
Pawleys Island, SC 29585
Brooke McCall 843-655-8078
Guaranteed Rate Mortgage2411 North Oak Street,
Office #403,
Myrtle Beach, SC 29577
Joshua Epps
NMLS# 430939
Guaranteed Rate Mortgage2411 N. Oak Street, Suite 202
Myrtle Beach, SC 29577
Joseph Jones
NMLS# 431377
Revolution Mortgage 4377 North Kings Highway,
Suite 207-10,
Myrtle Beach, SC 29577
Ed Bocchino
NMLS# 282443
Timeless Mortgage 17-B Highway 17 South,
Surfside Beach, SC 29575
Nathan Landers
NMLS# 1524376