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We look forward to giving you options so you can choose which loan is right for your home in South Carolina!

Compare your options to see which is best for you.

Conventional Loans
Conventional loans are the most common mortgage option and are available in fixed and adjustable interest rates with varying terms.  As long as you can meet the down payment requirements for this loan type, it is a fantastic option for any home buyer.
  • 3% down payment minimum
  • Best for first time and repeat buyers
  • Ideal for borrowers with excellent or good credit
  • PMI required over 80% LTV
  • Include cost of energy efficient improvements
  • Available for investments or vacation homes.
VA Financing
Veterans Administration (VA) offers ZERO down payment financing options with very flexible underwriting guidelines.  This type of financing is available to  first time buyers as well as repeat homeowners.
  • ZERO down payment
  • Available for Veterans, active duty and spouses
  • Higher debt ratios
  • Easier credit qualifying
  • No monthly mortgage insurance payment
  • Include cost of energy efficient improvements
  • Financing for 1-4 units available
FHA Loans
Federal Housing Administration (FHA) Loans make ownership more affordable with less down and easier credit requirements.
  • 3.5% minimum down payment
  • Best for first time home buyers
  • Ideal for refinancing with little equity
  • Best for borrowers with high DTI
  • No restrictions on who can apply
  • Lower credit scores can still be approved
USDA Loans
United States Department of Agriculture (USDA) Loans is a program designed to finance properties and land in rural areas.  Household income is limited to 115% of the median income for the area.
  • ZERO down payment
  • Best for first time home buyers
  • 581 minimum credit score required
  • Household income limited to 115% of the median income for the area.
NMLS # 1796745
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JT FINANCIAL SERVICES specializes in improving your financial strength by educating you on how credit, taxes, and entrepreneurship work together for your good.



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Columbia, SC 29223


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