Serving all of SC


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Looking to buy a larger, luxurious abode on Lake Murray or elsewhere in the Columbia or Lexington area? If the loan value exceeds $424,100 then a jumbo home loan may be right for you.

A jumbo mortgage is a home loan with an amount that exceeds conforming loan limits imposed by Fannie Mae and Freddie Mac. In South Carolina, that value is $424,100.

South Carolina Jumbo Home Loans have no PMI (private mortgage insurance), so the down payments are larger and the credit score requirements are typically no lower than 700.

If you are going to qualify for a jumbo mortgage, you will need to document income and assets in order to get approval. In SC, the maximum debt-to-income (DTI) ratio for jumbo loan borrowers is 45%. The required reserve amount for jumbo borrowers is generally at least six months in reserves after closing; conforming and some government loan types may require only one or two months—and in some cases require no reserves.

Call today or apply online below to find out if a Jumbo Home Loan is right for you.


Simplified Mortgage Solutions, LLC
3125 Hebron Drive - Suite 101
​West Columbia, SC 29169
Office:  (803) 722-6044
Fax:  (803) 722-6043

Quick Facts

Jumbo Home Loans

  • More than $424,100 Home Loan Value
  • Up to $3,000,000
  • 80% LTV Maximum
  • Subject to Investor Requirements
  • Fixed Rate and Adjustable Rate Options

Simplified Mortgage Solutions, LLC, NMLS# 1676360       Greg McCoy NMLS# 119871

(803) 722-6044


  • Ballentine
  • Batesburg-Leesville
  • Blythewood
  • Camden
  • Cayce
  • Chapin
  • Columbia
  • Eastover
  • Elgin
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  • ​Gadsden
  • Gaston
  • Gilbert
  • ​Hopkins
  • Irmo
  • Lake Murray
  • Lexington
  • ​Myrtle Beach
  • Newberry
  • Peak
  • Pelion
  • ​Pine Ridge
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  • Prosperity
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  • West Columbia