Goose Creek is home to a diverse range of neighborhoods, each with its own unique character and charm. From the established communities of Old Towne and The Arbors to the newer developments of Berkeley County, there's something for everyone in Goose Creek. Some popular neighborhoods include:

• The Arbors: A family-friendly community with a mix of single-family homes and townhouses.
• Old Towne: A historic district with charming homes and a strong sense of community.
• Berkeley County: A growing area with new developments and a range of housing options.

At NMHL, we can help you explore the different neighborhoods in Goose Creek and find the one that best fits your needs and budget.

At NMHL, we're committed to helping underserved borrowers achieve their homeownership goals. We offer a range of mortgage products, including FHA, VA, and conventional loans, with flexible credit score requirements and down payment options as low as 3.5%. Our experienced loan officers can help you navigate the mortgage process and find the best loan for your situation.

Some of the mortgage options available to underserved borrowers in Goose Creek include:

• FHA loans: With credit scores as low as 580, you may qualify for an FHA loan with a down payment as low as 3.5%.
• VA loans: Veterans and active-duty military personnel may be eligible for a VA loan with no down payment requirement.
• Conventional loans: We offer conventional loans with competitive rates and terms, including options for borrowers with non-traditional income or credit profiles.

As a homeowner in Goose Creek, you'll need to factor property taxes into your overall cost of homeownership. The average effective property tax rate in Goose Creek is approximately 0.35%, which is relatively low compared to other parts of the country. However, it's still essential to understand how property taxes work and how they may impact your mortgage payments.

In Berkeley County, where Goose Creek is located, property taxes are assessed by the county assessor's office. The tax rate is based on the assessed value of your home, which is typically a percentage of the home's market value. You can expect to pay your property taxes annually or semi-annually, depending on your mortgage servicer's requirements.

If you're a first-time homebuyer in Goose Creek, you may be eligible for several programs designed to help make homeownership more accessible. The South Carolina State Housing Finance and Development Authority (SC Housing) offers several programs, including the Palmetto Home Advantage program, which provides up to $7,500 in down payment assistance.

At NMHL, we can help you navigate these programs and determine which ones you may be eligible for. Our experienced loan officers will work with you to identify the best loan options for your situation and guide you through the application process.