Residential

Securing the right residential financing is essential for turning your homeownership dreams into reality. Whether you’re purchasing your first home, refinancing an existing property, or accessing cash for other needs, SC Capital Corporation offers comprehensive home financing options designed to meet your unique situation. With flexible terms and competitive rates, we help simplify the loan process so you can focus on what matters most — your home. 

We offer a wide range of loan programs to fit diverse residential financing needs, including:

Purchase, Refinance, and Cash-Out Loans

Whether buying a new home or refinancing to save money or tap into equity, we provide tailored solutions for both owner-occupied and non-owner-occupied properties. 

Fixed and Adjustable Rate Mortgages

Choose between the stability of fixed rates or the flexibility of adjustable rates, depending on your financial goals.

Loans for 1-4 Unit Properties

From single-family homes to small multi-unit buildings, our financing options cover a broad range of residential properties.

Jumbo Loans up to $15,000,000

For higher-value homes, we provide jumbo financing with competitive terms and personalized service.

Conforming Loans

Fannie Mae & Freddie Mac: Take advantage of government-sponsored loan programs with reliable and accessible options.

HELOCs and Fixed Second Mortgages

Unlock your home’s equity with home equity lines of credit or fixed second mortgage loans.

Full and Alternative Documentation Programs

Whether you have traditional income documentation or need alternative verification, we have options that work for you.

Interest Only Loans

Benefit from lower initial payments with interest-only financing solutions. 

FHA and VA Mortgages

Qualified borrowers can access government-backed loans designed for affordability and low down payments.

Construction Loans

Financing solutions tailored for new home builds or major renovations.

Private/Hard Money Mortgages and Fix & Flip Financing

Flexible lending for investors and borrowers with unique needs.

Foreign National Programs and Non-QM & DSCR Programs

Specialized financing designed for international buyers and non-qualified mortgage borrowers. 

Navigating the mortgage process can be complex, but our knowledgeable team simplifies it with personalized service and expert advice. We’re committed to finding the right home financing solutions that align with your goals. Contact us today to discuss your options and get started on your home financing journey.