NMHL Mortgage Lending
Mortgage Lender in Aiken, SC
Local expertise and competitive rates for Aiken homebuyers.
Aiken Housing Market Overview
Explore mortgage options in Aiken, SC with NMHL. Our local expertise helps you navigate the Aiken real estate market with competitive rates and personalized service.
See What You Qualify For
Takes about 5 minutes. No obligation. No credit check until you are ready.
Your Local Mortgage Partner
We understand the local market dynamics that affect your home purchase. Our team provides personalized loan options based on local property values and regulations.
Available Loan Programs in Aiken
Explore mortgage options tailored to Aiken homebuyers
First Time Home Buyer Mortgages
Special loan programs helping newcomers purchase their first home with favorable terms and support.
Learn MoreRefi-Shield
Learn MoreAdjustable-Rate Mortgage (ARM)
Financial flexibility and optimal rates with an Adjustable-Rate Mortgage – Your key to a dynamic homeownership journey
Learn MoreHigh-Value Appraisal Program
Learn MoreInterest Only Mortgages
Interest-only mortgages allow borrowers to pay only the interest for a set period, reducing initial monthly payments.
Learn MoreHome Equity Loans
Access the equity in your home with a fixed-rate home equity loan. Get a lump sum with predictable monthly payments for ...
Learn MoreFHA Loans
Federal Housing Administration (FHA) loans are government-backed mortgages designed to help first-time homebuyers and th...
Learn MoreFixed-Rate Mortgage
Lock in your interest rate for the life of the loan with a fixed-rate mortgage. Predictable monthly payments make budget...
Learn MoreBridge Loans
Bridge the gap between buying your new home and selling your current one. Short-term financing that gives you the flexib...
Learn MoreVA Loans
VA loans are a benefit earned by veterans, active-duty service members, and eligible surviving spouses. Backed by the De...
Learn MoreConventional Loans
Conventional loans are not backed by government agencies and typically offer the most flexibility for qualified borrower...
Learn MoreITIN Loans
Purchase a home using your Individual Taxpayer Identification Number (ITIN) without a Social Security Number. NMHL is co...
Learn MoreJumbo Loans
Jumbo loans exceed conforming loan limits and are designed for luxury properties and homes in high-cost areas. With comp...
Learn MoreDSCR Investment Loans
Debt Service Coverage Ratio (DSCR) loans qualify based on rental income rather than personal income. Perfect for real es...
Learn MoreBank Statement Loans
Bank statement loans are designed for self-employed borrowers and business owners who have difficulty documenting income...
Learn MoreReverse Mortgages
For homeowners 62 and older, reverse mortgages allow you to access your home equity without monthly payments. Stay in yo...
Learn MoreUSDA Mortgages
USDA Rural Development loans help moderate-income buyers purchase homes in eligible rural and suburban areas. With no do...
Learn MoreHeloc
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Understanding Aiken's Local Housing Market
Aiken's housing market is characterized by a mix of historic homes and new constructions, with a range of architectural styles and price points. The median home price is around $240,000, with a steady appreciation in value over the past few years. NMHL's local expertise helps you navigate this market and find the right mortgage for your needs.
The city's proximity to Augusta, Georgia, and its own natural beauty make it an attractive destination for homebuyers. Popular neighborhoods like Hitchcock Woods and Olde Charlestown offer a range of housing options, from starter homes to luxury estates.
Get pre-approved with NMHL today and take the first step towards owning your dream home in Aiken.
First-Time Homebuyer Programs in South Carolina
SC Home Palmetto Heroes is just one of the down payment assistance programs available to Aiken borrowers. The SC Housing Homebuyer Program also offers competitive interest rates and down payment assistance for first-time homebuyers. NMHL can help you explore these options and determine your eligibility.
- SC Home Palmetto Heroes: up to $10,000 in assistance for eligible professionals
- SC Housing Homebuyer Program: competitive interest rates and down payment assistance
Contact NMHL to learn more about these programs and how they can help you achieve your homeownership goals.
NMHL Mortgage Programs for Aiken Borrowers
At NMHL, we offer a range of mortgage programs designed to meet the unique needs of Aiken borrowers. Our FHA loans require as little as 3.5% down, while our VA loans offer zero-down financing for eligible veterans. We also offer USDA loans for borrowers purchasing homes in rural areas.
Our specialists can help you determine which program is best for you and guide you through the application process.
Get started with NMHL today and explore your mortgage options in Aiken.
Aiken's Notable Neighborhoods and Areas
Aiken is home to a variety of unique neighborhoods, each with its own character and charm. From the historic homes of Olde Charlestown to the natural beauty of Hitchcock Woods, there's something for every taste and budget.
- Hitchcock Woods: a wooded neighborhood with large lots and custom homes
- Olde Charlestown: a historic neighborhood with charming homes and tree-lined streets
- The Reserve at Woodside: a luxury neighborhood with gated community and amenities
NMHL can provide insights into these neighborhoods and help you find the perfect home to fit your needs.
Frequently Asked Questions
The average effective property tax rate in Aiken County is 0.55%. For a median home price of $240,000, that's approximately $1,320 per year in property taxes. NMHL can help you factor property taxes into your mortgage calculations.
Aiken County is served by Aiken County Public Schools, which includes several highly-rated schools. Homes in areas with top-performing schools tend to retain their value better and appreciate faster. NMHL can provide guidance on how school districts impact your mortgage options.
Aiken borrowers can take advantage of down payment assistance programs like the SC Home Palmetto Heroes program, which offers up to $10,000 in assistance for eligible first responders, teachers, and healthcare workers. NMHL can help you explore these options and determine your eligibility.
Yes, NMHL offers mortgage options for borrowers with less-than-perfect credit. Our specialists can help you navigate the process and find a loan that fits your situation. We consider credit scores as low as 580 for some programs, and we may have options for borrowers with even lower scores.
Some of Aiken's most sought-after neighborhoods include Hitchcock Woods, Olde Charlestown, and The Reserve at Woodside. NMHL is familiar with these areas and can provide insights into their local market trends and mortgage requirements.
Related Resources
Ready to Buy in Aiken?
Let NMHL help you navigate the Aiken housing market with expert guidance and competitive rates.