Mount Pleasant, SC
The right loan for the Mount Pleasant home you're after.
High-balance, jumbo, move-up, refinance: whatever a Mount Pleasant purchase needs — near Old Village or anywhere Mount Pleasant — the loan fits the market.
Can Choice Home Mortgage help me buy a home in Mount Pleasant, SC?
Yes. Choice Home Mortgage helps Mount Pleasant buyers and homeowners through licensed partner brokers who handle the South Carolina licensing, while we coordinate the Mount Pleasant file and compare many lenders for it. We are a family-owned broker licensed in California (NMLS #2629064), and owner Esther Buede coordinates your loan from the first call to closing.
For Mount Pleasant, FHFA's 2026 one-unit limit is $832,750 (Charleston County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
Inside the Mount Pleasant mortgage market.
Mount Pleasant is Charleston County’s premier residential address — a waterfront suburb with top-ranked schools, 10-minute bridge access to downtown Charleston, and a lifestyle anchored by Patriots Point and barrier-island beaches; with a median near the conforming limit and upper neighborhoods well above, many transactions require jumbo financing.
That Mount Pleasant market shapes the loan. For Mount Pleasant, 2026 conforming tops out at Charleston County’s $832,750 baseline on one-unit Mount Pleasant homes. Mount Pleasant price points mostly stay under $832,750, which keeps conventional, FHA, and move-up on the menu for Mount Pleasant buyers. Mount Pleasant’s price tier is above the national norm. FHFA resets these limits each year; we verify before we quote.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
74,000-plus residents make Mount Pleasant home — across Old Village, I'On, and between — with Charleston and Goose Creek nearby. Mount Pleasant isn’t an abstraction to us — we know it down to Patriots Point and the Arthur Ravenel Jr. Bridge. Name the Mount Pleasant neighborhood — Old Village, Snee Farm, Rivertowne, and I'On or beyond — and we finance there. If you’re in Mount Pleasant hunting for a nearby broker: we work Mount Pleasant loans by phone and online, Mount Pleasant knowledge included. Of the 12 South Carolina cities we serve, Mount Pleasant plays by its own numbers — that’s the point: the Mount Pleasant file, not a state template.
What working with us looks like.
Local Mount Pleasant insight
Old Village, Snee Farm, Rivertowne — every Mount Pleasant pocket prices its own way, and the blocks near Patriots Point and the Arthur Ravenel Jr. Bridge prove it. We match the program to the pocket.
Bigger-loan ready
Mount Pleasant price tags run past the national norm, and the Mount Pleasant financing — conventional, move-up, jumbo — is sized to match.
Lenders shopped for you
Your Mount Pleasant file gets shopped across many lenders — a broker working Mount Pleasant, not one bank's sales desk.
Owner-coordinated
Owner Esther Buede coordinates every Mount Pleasant file herself, one point of contact from your first Mount Pleasant call to your closing.
Mount Pleasant files get the owner as coordinator.
In Mount Pleasant, owner Esther Buede (individual NMLS #2003644) coordinates your loan personally with our licensed partner brokers, from Snee Farm to every part of Mount Pleasant. Choice Home Mortgage has been closing loans since 2005. Meet the family behind CHM →
“She was sincere. Got me processed and funded in 20 days. I felt taken care of every step of the way.”
Matched to your Mount Pleasant purchase, not a template.
Near Patriots Point and the Arthur Ravenel Jr. Bridge, conventional files are a Mount Pleasant staple for us. Most Mount Pleasant files start at conventional, move-up, jumbo (via our licensed partner-broker network) and branch from there — every option gets a look: FHA, non-QM, conventional, and VA. Whenever you’re ready — buying, refinancing your mortgage, or still weighing options — get started here or call (949) 522-7310.
Mount Pleasant buyers most often work with jumbo, conventional, move-up.
Self-employed in Mount Pleasant? We also work with borrowers who work for themselves — 1099 income included. Charleston County’s 2026 conforming and FHA limits, by unit count are laid out in full if you’re comparing property types.
And around Mount Pleasant: Charleston, Goose Creek, North Charleston are all in reach. Browse our South Carolina service areas →
Working with Mount Pleasant, SC buyers through licensed partner brokers — Choice Home Mortgage, California-licensed, NMLS #2629064. Equal Housing Opportunity. No Mount Pleasant office — we work with Mount Pleasant buyers remotely.
Real questions from Mount Pleasant buyers.
Is there a loan limit for Mount Pleasant purchases in 2026?
Yes. The 2026 conforming loan limit for a one-unit home in Mount Pleasant is $832,750, the figure FHFA set for Charleston County. That is the national baseline with no high-cost adjustment, so a loan above $832,750 is a jumbo loan. A two-unit property in Charleston County can borrow up to $1,066,250 and stay conforming.
Do Mount Pleasant buyers usually need jumbo financing?
Only loans above $832,750 need jumbo financing in Mount Pleasant; that is the 2026 Charleston County limit, and anything at or under it is conforming. Putting more down keeps the loan at or under $832,750, which keeps it conforming. Licensed partner brokers originate the loan, and Choice Home Mortgage compares quotes from many lenders on your file.
Can you finance a home anywhere in Mount Pleasant?
Yes, anywhere in Mount Pleasant, from Old Village to I'On. Prices shift from street to street, and the appraisal follows recent nearby sales; the loan terms follow your credit, income and down payment. Wherever the address is, from Old Village to I'On, a licensed partner broker originates the loan and we coordinate it by phone and online.
Can Choice Home Mortgage help me buy in Mount Pleasant, SC?
Yes. Choice Home Mortgage helps Mount Pleasant buyers through licensed partner brokers in South Carolina, and we coordinate the loan. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Mount Pleasant office, so the application, documents and updates run by phone and online.
I'm shopping Mount Pleasant and the next town over: is that covered?
Yes. You can compare homes in Mount Pleasant with Charleston, Goose Creek and North Charleston on one file. Each town's conforming limit depends on its county, so we confirm the 2026 limit for the exact address before quoting. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as a Mount Pleasant file.
How does the process run for a Mount Pleasant buyer working with you?
A Mount Pleasant buyer starts with one call to set the plan, then applies online, uploads documents and gets updates as the file moves. Licensed partner brokers cover the South Carolina licensing, while Choice Home Mortgage (California NMLS #2629064) coordinates the file and the lender shopping.
Start your Mount Pleasant loan today.
The owner picks up, your Mount Pleasant numbers get real, and lenders start competing for the Mount Pleasant business.