Welcome to SAFE's
Digital Mortgage Center
We want to be the first to welcome you home.
At SAFE, we understand that finding the perfect place to call home is more than a transaction--it's about creating a place where memories are made, and futures are built. Whether you're a first-time homebuyer eager to have your own space, or an existing homeowner looking to refinance, we'd love to be your trusted partner on that journey.
In our digital mortgage center, you'll find loads of information about our dedicated team, how our process works, and how you can connect with us. You can even start your mortgage application quickly and easily right here or check the status of your existing application.
PURCHASE OPTIONS
When it comes to buying a home, SAFE's Mortgage team does lending better! With our competitive rates and fast, personalized service, we'll have you saying "home sweet loan" before you know it!
REFINANCE OPTIONS
If it's time to give your mortgage a makeover, you can trust SAFE to make refinancing fast and easy. We have tailored solutions and friendly guidance to make the process stress free and put a little cash in your pocket!
HOME EQUITY OPTIONS
SAFE is here to help you unlock the value in your home. With great rates and personal service, your SAFE family will have you saying hello to savings faster than you can say "new kitchen remodel!"
CONSTRUCTION OPTIONS
We understand that sometimes, your dream home is one you have to build from the ground up. We're here to help every step of the way! Let's roll up our sleeves and turn those blueprints into a reality.
Want to see more about SAFE's mortgage products? Learn more about Rates and Details here.
Discover the Perks of a Mortgage at SAFE.
Mortgage Experts available for all 19 branches.
Local, in-house processing, underwriting, and servicing.
Free and fast loan
Pre-qualifications.
Pre-approved SAFE Credit Cards for qualifying loans.
The SAFE Rate Guarantee locks in your rate for 120 days.
Home buyer privilege discounts are available after closing.
Your mortgage stays with us! No selling in the secondary market.
$500 Simple Rate Modification - No refinance required.
Need a better understanding?
Here are some common terms you'll hear during the mortgage process, but don't hesitate to ask questions and seek guidance. We're here to help make your homebuying experience smooth and easy!
- Pre-qualification - While not an approval, this gives you an estimate of how much money you could borrow to purchase a home.
- Pre-approval - A commitment from the lender to lend money to you prior to idenetifying the specific property.
- Equity - The portion of the property that you actually own through your payments, versus the portions that you still owe your mortgage lender. The longer you stay in your house and make the required payments, typically the more equity you will have.
- Closing costs - The costs of getting a mortgage in addition to the down payment. Usually 3-6% of the total loan amount.
- Gross income - Amount you earn before taxes or payroll deductions. Gross income may include overtime commissions and dividends and come from any other sources for which steady history can be shown.
- Escrow - An account set up on your behalf in which a portion of your monthly mortgage payment is held to pay property taxes and insurance.
- Loan to value ratio (LTV)- A mortgage's LTV ratio describes the ratio of the value of the property to the amount of outstanding mortgage balance.
- Debt to income (DTI) ratio - The DTI ratio compares how much a borrower owes with how much they earn in a given month.
Visit Us!
SAFE has 19 branches located throughout the Midlands of South Carolina to serve you. Click the button below to find a location nearest you.
Operations Building
185 W Wesmark Blvd
Sumter, South Carolina 29150