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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Woman ready to discuss building her dream home

Construction & Renovation Loans

Building or Renovating: Make Your House a Home

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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
09/27/2026
We had a great experience working with Michelle. She is professional, knowledgeable, responsive, and extremely helpful throughout the entire mortgage process. We were kept informed every step of the way, she answered all of our questions clearly, and made the mortgage process smooth and stress-free. We truly appreciated her patience, honesty, and dedication to getting everything completed on time. We highly recommend Michelle.
5 stars
Google   •   SouthState Bank
08/01/2026
We’re so thankful for Michelle and everything she did to help us with our mortgage needs! She’s knowledgeable, quick to respond, and truly cares about her clients. We referred my dad to her, as well, and he had an equally excellent experience. I can’t speak highly enough about Michelle, and will certainly use her in the future.
5 stars
Google   •   SouthState Bank
06/24/2026
Michelle was great and knowledgeable on any questions I had! Buying a house is nerve wracking but it was a smooth transaction with Michelle!

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