Holiday Hours

In observance of Veterans Day, SouthState locations will be closed on Wednesday, November 11. SouthState Customer Care will be open 8 a.m. - 5 p.m. ET. Transactions initiated or scheduled on a holiday are processed the next business day.

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Fixed-Rate Mortgages

Fixed-rate mortgages are a popular choice for homeowners planning to stay in their home for a long period of time, typically 7 years or longer. You'll have several options of fixed-rate repayment periods. We can help you determine which option suits your situation best.

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Adjustable-Rate Mortgages

An Adjustable-Rate Mortgage can be a good option if you plan to sell your home during the fixed-rate period. After that period, interest rates and monthly payments for adjustable-rate mortgages move up and down over the life of the loan as market rates fluctuate.

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Fixed-Rate Mortgages

Fixed-rate mortgages are a popular choice for homeowners planning to stay in their home for a long period of time, typically 7 years or longer. You'll have several options of fixed-rate repayment periods. We can help you determine which option suits your situation best.

Apply NowLearn More
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Government Home Loan Programs

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Build Your Dream Home

Construction Loans

We’ll help you with a loan to build, then convert the mortgage into a conventional, permanent loan once you move in to your new home.


Lot Loans

When you've found the perfect location, our lot loans make it easy to build your dream home on your timeline.

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Mortgage Insights

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    Adjustable-Rate Mortgages

    An Adjustable-Rate Mortgage can be a good option if you plan to sell your home during the fixed-rate period. After that period, interest rates and monthly payments for adjustable-rate mortgages move up and down over the life of the loan as market rates fluctuate.

    Apply NowLearn More

    Jumbo Loans

    Exceptional Homes Require Exceptional Solutions

    Finance your one of a kind home up to $10,000,000

    Learn More

    Physician Loans

    Available to Medical Professionals

    You spend your time taking care of others, let us take care of you.

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    Portfolio Loans

    In-House Mortgage Lending

    Local lending decisions, expanded guidelines for loan qualification and competitive interest rates.

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    All loans are subject to credit approval.

    FHA Loans

    FHA loans allow for a smaller down payment, making this a popular loan type for first-time homebuyers.

    VA Loans

    VA loans offer up to 100% financing for eligible service members for the purchase of a primary residence or the refinancing of an existing VA loan.

    USDA Loans

    Rural development loans allow a qualified borrower to finance up to 100% of the loan amount with no required down payment.

    Mortgage Insights

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    Down Payment Strategies for First-Time Homebuyers

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    4/25/2024

    Buy vs. Rent Calculator

    By SouthState

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    10/27/2023

    Mortgage Closing Costs Calculator

    By SouthState

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    1/5/2026

    Your Mortgage Rate Outlook for 2026

    By Jules Deas III

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    2/26/2024

    Physician Loans: Mortgage Financing for Doctors

    By SouthState

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