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Purchase the home of your dreams.

At Carolina Trust, we understand purchasing a new home can be intimidating. Our Mortgage team walks borrowers through the entire home loan process. We will be with you every step of the way, from your first meeting at a Carolina Trust branch to your loan closing at the attorney’s office.

Mortgage Lending Team Image

(left to right: Kelly Rowland, Mortgage Loan Officer; Howard Smith, Mortgage Loan Officer; Connie Thompson, AVP of Mortgage Loan Services)

Fixed Rate Mortgages

Don’t worry about your rate changing! With a Fixed Rate Mortgage, your rate will stay the same for the life of the loan.

    • Competitive rates*
    • 15, 20, or 30-year terms
    • FHA, VA, USDA options
    • Fast online application process
    • Stability of a fixed payment
    • Ideal for buyers planning on living in the home for 10 years or more

Adjustable Rate Mortgages

Get a lower introductory interest rate for the first 5 years of your loan. Then, after the introductory period, the rate would adjust to the current market rate at the 61st payment. The adjusted rate would not increase or decrease more than 2.00% each year with a 5.00% lifetime cap.

    • 5/1 ARM loan available
    • Competitive rates*
    • 5.00% lifetime cap over the initial rate**
    • Avoid Private Mortgage Insurance with a 5% down payment
    • Ideal for buyers who plan on living in the home for less than 10 years

*Loan approval and Annual Percentage Rate subject to credit worthiness. Loan type subject to property and borrower qualifications. Other restrictions apply.
**Approved APR will not fall below disclosed floor rate of 2.99% for prescribed mortgage product.

Land Loans

Have the perfect place in mind for your new home? We’re here to help you purchase that land with a competitive rate and low fees*.

    • Terms up to 15 years available
    • Residential lots 5 acres or less
    • Up to 80% financing available for subdivisions and 70% for rural areas

*Loan approval and Annual Percentage Rate subject to credit worthiness. Loan type subject to property and borrower qualifications. Other restrictions apply.

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