Michelle Freeman

Mortgage Banker | Senior Vice President

NMLS #: 419510

1127 Ebenezer Road, Rock Hill, SC 29732

Michelle Freeman | SouthState Mortgage

About Michelle Freeman

Michelle Freeman, a Winthrop University graduate, came to SouthState in 2002. Prior to mortgage lending, Michelle's financial experience included branch management, consumer lending and retail banking. As a Rock Hill native, Michelle is an expert of the York County real estate market and her experience in financial services and banking ensures you will receive sound advice, a smooth mortgage process and exceptional customer service.

Contact Michelle today and put her expertise to work for you.
Couple buying a home with an FHA Loan

FHA Loans

A Great Option for First Time Home Buyers

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family finding homes with affordable mortgage options

Buyer's Advantage

Helping You Achieve Homeownership

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Individual and family homebuyers assistance funding

Opportunity Advantage

Assistance for Qualified Home Buyers

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First-Time Buyer Resources

  • Resources for first-time homebuyers
  • Tips for improving your credit score
  • Get information on pre-qualifying
  • Learn about the loan process
  • Find a checklist of information you'll need to gather
  • Learn about Down Payment Assistance programs
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Recent Reviews

5 stars
Google   •   SouthState Bank
05/01/2026
MICHELLE FREEMAN!!!!! Holy moly this was without a doubt the most stress free home purchase I’ve ever made! Seemed effortless and the communication was great and that’s my thing. I love great communication. Definitely 10 out of 10! She’s the best! That place is very fortunate to have her.
5 stars
Google   •   SouthState Bank
03/18/2026
I had a GREAT experience with SOUTHSTATE. Michelle did an AWESOME job assisting me with my closing, from start to finish!! I would highly recommend her and the SOUTHSTATE Bank to anyone needing financial assistance!
5 stars
Google   •   SouthState Bank
02/28/2026
The best!!!

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