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Hometown Choice Mortgage Loan and Grant

Hometown Choice: Built for First-Time Homebuyers

A loan for first-time homebuyers based on the city you currently reside.

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Built for First-Time Home Buyers

SouthState Hometown Choice is designed for first-time homebuyers, whether you are staying in your current hometown or choosing a new hometown to put down roots. If you currently reside in one of the following designated Metropolitan Statistical Area, you may benefit from the Hometown Choice program, regardless of where you are purchasing a home.1
Designated Metropolitan Statistical Areas (MSAs)

Designated Metropolitan Statistical Areas (MSAs)

Icon for Designated Metropolitan Statistical Areas (MSAs)
Icon for Designated Metropolitan Statistical Areas (MSAs)
  • Atlanta-Sandy Springs-Roswell, GA
  • Baltimore-Columbia-Towson MD
  • Brownsville-Harlingen, TX
  • Chicago-Naperville-Elgin, IL-IN-WI
  • Cleveland, OH
  • Dallas-Fort Worth-Arlington, TX
  • Detroit-Warren-Dearborn, MI
  • Houston-Pasadena-The Woodlands, TX
  • McAllen-Edinburg-Mission, TX
  • Memphis, TN-MS-AR
  • Miami-Fort Lauderdale-West Palm Beach, FL
  • New York-Newark-Jersey City, NY-NJ
  • Oklahoma City, OK
  • Orlando-Kissimmee-Sanford, FL
  • Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
  • Phoenix-Mesa-Chandler, AZ
  • Riverside-San Bernardino-Ontario, CA
  • San Antonio-New Braunfels, TX
  • St. Louis, MO-IL
  • Tampa-St. Petersburg-Clearwater, FL
  • Washington-Arlington-Alexandria, DC-VA-MD-WV
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Making Homeownership More Attainable

As a special purpose credit program, Hometown Choice can offer lower interest rates, smaller down payments, or assistance with closing costs, saving qualified homebuyers thousands of dollars, and making homeownership more attainable.
Mortgage Loan Program & Grant Highlights

Mortgage Loan Program & Grant Highlights

  • 30-year fixed rate mortgage
  • Financing up to 97%2
  • Reduced Mortgage Insurance3
  • $5,000 grant from Fannie Mae towards down payment or closing cost assistance
  • SouthState grant for .50% of the loan amount towards down payment or closing cost
  • $500 appraisal fee reimbursement
  • No income limits
  • No location restrictions on where you purchase your first home
  • Access to HomeView®, a free homebuyer education course4

Calculate Your Mortgage Payment

Get Started

  1. Consult with a mortgage banker to confirm address eligibility.
  2. SouthState will loan up to 97% of the loan to value based on the lesser of the purchase price or a bank-accepted appraisal up to the conforming loan limit. Available to qualified borrower through the Hometown Choice product. Inquire for more details.
  3. Hometown Choice MI Coverage is 25% for LTV above 90.01% to 97% LTV. Mortgage Insurance on standard products is 30% coverage for 90.01 to 95%, 35% coverage for 95.01 to 97%.
  4. HomeView® is a registered trademark of Fannie Mae.

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