PORTFOLIO LOANS

In-House Mortgage Financing

Expanded guidelines for loan qualification with no mortgage insurance.

What are Portfolio Loans and In-House Financing?

You may have of heard of in-house financing but what exactly does that mean? We also refer to this type of home loan as a portfolio loan1 because SouthState doesn't intend to sale your loan to anyone else. We plan to retain and service for you. Additionally, SouthState has more flexibility as we don't have to adhere to third party investor guidelines. You get to reap the many benefits when choosing an in-house mortgage to finance your home.
  • Low down payment options
  • No monthly mortgage insurance
  • Financing for primary or vacation homes
  • Escrow for Homeowner’s Insurance and Taxes not required2
  • Competitive interest rates
  • Local lending decisions
In-House Portfolio Mortgage Options

In-House Portfolio Mortgage Options

We offer many in-house portfolio adjustable-rate mortgages (ARMs) including those that can be used for purchase and refinance.

  • Physicians Loans
  • Construction Lending
  • Renovation Loans
  • Lot Loans
  • Jumbo Mortgages
  • 3/1, 5/1, 7/1 and 10/1 Adjustable rate Mortgages (ARM)1
Icon image for Have More Questions?

Have More Questions?

Talk to a Loan Officer
Get Started

Get Started


Icon for Apply Online Now

Apply Online Now

Get Started
Icon for Give Us a Call

Give Us a Call

(866) 229-5628
Icon for Send Us An Email

Send Us An Email

Email Us

Stories and Insights


  • All loans subject to credit approval.
  1. If flood insurance is necessary, the premuim must be escrowed. 

Secure Log In

Close mobile menu
Login Error

Your username is valid but has a problem. Please call customer support

Our website uses cookies to ensure your online experience is as informative and relevant as possible. Please review our Privacy Policy to learn more about the information we collect.