House hunting? We've simplified the application process with just a few key questions, so you can get your pre-qualification letter and shop with confidence!
When it comes to buying a home, SAFE's Mortgage team does lending better! With competitive rates and quick service, You'll be saying "home sweet loan" in no time!
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 turn those blueprints into a reality.
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 your mortgage work for you!
SAFE can 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!"
A Mortgage at SAFE has it's perks.
Want to see more about SAFE's mortgage products? Learn more about Rates and Details here.
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