US Bank

Loan options for everyone

• Portfolio Options

  SouthState doesn't intend to sell your loan to anyone else. Our team plans to retain these loans and directly service these for you. Additionally, SouthState has more flexibility as we don't have to adhere to third party investor guidelines. You get to reap many benefits when you choose an in-house mortgage to finance your home.

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• Professional Jumbo

  With a Professional Jumbo loan from SouthState, you can finance your dream home or build the custom home you have been working towards, for loans up to $4,000,000.

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• Construction/Renovation

  Our construction loans allow you to finance up to 90% of the home's value. You'll pay interest only during the construction of the home and can take advantage of flexible and quick disbursements during the home building process to cover materials and labor. After the build of your home is complete, we convert the construction loan to a permanent mortgage loan. The best part? you only have to close one time on the loan.

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• Physician

  We offer special terms exclusively to Medical Doctors (MD), Doctors of Osteopathic Medicine (DO), Dentists and Veterinarians, even those currently in residency. With a Physician Loan from SouthState, you are able to come to closing with no down payment and get 100% financing without paying private mortgage insurance (PMI), which is typically required if you are putting less than 20% down.

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• Lot and Land

  Whether you plan to build your dream home now, or years down the road, we made it easy and convenient. Our lot loan allows you to build your dream home when you're ready and wherever you choose. And when you're ready to build, we offer streamlined construction to permanent financing.

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• Hometown Heroes

  Provides down payment and closing cost assistance to first-time, income-qualified homebuyers for the purchase of a primary residence in the community in which you work and serve. Eligible borrowers can receive up to 5% of their first mortgage loan amount (maximum of $35,000) in the form of a 0%, non-amortizing, 30-year deferred second mortgage. Borrowers need to work a minimum of 35 hours a week or more.

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