Florence, SC
Buy your first Florence, SC home with confidence.
FHA, down-payment-assistance, and first-time-buyer programs that fit Florence budgets. We walk you through every step.
What financing a Florence home really takes.
Florence commands the Pee Dee region as the dominant healthcare, retail, and logistics hub at the I-95/I-20 interchange, anchored by McLeod Health and Francis Marion University; this institutional base creates stable, employment-driven housing demand that insulates the market from cyclical volatility affecting smaller secondary markets.
That market shapes the loan. In Florence County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Florence purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and FHA options on the table. Limits per FHFA 2026; verify your scenario with us.
We work Florence from the ground up — close to Francis Marion University and the Florence Civic Center. We finance homes across Timrod Park, Ebenezer/Southwest Florence, Downtown Florence, and West Florence — and every other corner of Florence. Looking for a mortgage broker near you in Florence? We serve the area by phone and online, so you get a local-market broker without driving to an office.
What you get with a local broker.
Florence market knowledge
Near Francis Marion University and the Florence Civic Center, across Timrod Park, Ebenezer/Southwest Florence, Downtown Florence — we know Florence's neighborhoods, prices, and the programs that fit them.
First-time & assistance
Florence buyers often start with conventional, FHA, first-time-buyer — we match you to the down-payment and first-time programs you qualify for.
Lenders shopped for you
As a broker we shop many lenders for your Florence file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your Florence loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Florence, your loan is handled personally by owner Esther Buede — a licensed mortgage expert (individual NMLS #2003644) who has guided California families to the closing table since 2005. Not a call center, not a rotating cast — one expert who knows your file and your market. Meet the family behind CHM →
“One of the best business interactions that I've ever had. Esther Buede made my loan application possible.”
The right Florence loan for your situation.
For Florence we lean on conventional, FHA, first-time-buyer through our licensed partner-broker network — but whatever fits, we shop it: FHA, conventional, VA, and non-QM. Start when you’re ready: buying, refinancing, or just exploring — apply here or call (949) 522-7310.
Close to Florence, we also help buyers in Sumter, North Charleston, Fayetteville. See all South Carolina cities we serve →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Florence, SC buyers through licensed partner brokers. Equal Housing Opportunity. We serve this area; we do not maintain a Florence office.
Florence mortgage questions, answered.
What's the 2026 conforming loan limit in Florence?
In Florence County, the 2026 conforming loan limit is $832,750 for a single-family home, the national baseline. Limits per FHFA 2026; verify your scenario with us.
What loans help first-time buyers in Florence?
FHA loans, down-payment-assistance, and first-time-buyer programs are common paths in Florence. We match you to the ones you qualify for.
Which Florence neighborhoods do you serve?
We serve buyers across Florence, including Timrod Park, Ebenezer/Southwest Florence, Downtown Florence. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Can Choice Home Mortgage help me buy in Florence, SC?
Yes. We help Florence homebuyers through licensed partner brokers. Choice Home Mortgage is licensed in California (NMLS #2629064); we coordinate SC financing for you.
Do you serve areas near Florence?
Yes — we also work with buyers in nearby Sumter, North Charleston, Fayetteville. Same process, local loan-limit details for each.
Let's finance your Florence home.
Talk to the owner directly. We'll map the right loan for your Florence home and put lenders in competition for it.