To view homes available in the program click here: Dorchester County , Charleston County , Berkeley County



Palmetto Heroes 2014

Borrowers must be employed in SC and meet SC Housing’s First-Time Homebuyer requirements and underwriting guidelines.  A first time home buyer can be someone who has not owned property in the last 3 years or in some counties can be someone who does not own a home at the time of closing.  For ex.  You own a home you sell it and your closing is at 11 am, you can be a" first time home buyer" (in some counites) if your closing is at 3pm

Law Enforcement Officers – Borrower must be employed full-time as a state or local law enforcement officer (as defined by the SC Law Enforcement Training Act) and must be certified by the Law Enforcement Training Council as of the date of the loan application.

Fire Fighters, EMTs and Paramedics – Borrower must be employed full-time as a fire fighter, emergency medical technician (EMT) or paramedic (or be a volunteer firefighter) with a state or local government agency. EMTs and paramedics may be employed by a company contracted by a state or local government agency to provide emergency medical services.

Teachers – Borrower must be employed as a full-time classroom teacher (or have a contract to begin teaching) and must have a South Carolina Teacher Certification. Teachers with new contracts must be scheduled to receive their first paycheck within 60 days of loan closing.

Nurses – Borrower must be a registered nurse (RN), licensed practical nurse (LPN), or advanced practice registered nurse (APRN) and be licensed with the SC Board of Nursing. Borrower must be employed full-time in a hospital, doctor’s office, school or other medical facility. Certified Nurse Aides (CNA) – Borrower must have a Nurse Aide Certification and be listed on the SC Nurse Aide Registry. Borrower must be employed full-time in a hospital, doctor’s office, school or other medical facility. Search the SC Nurse Aide Registry at:

Veterans – Borrower must have served on active duty in the U.S. Armed Forces (other than active duty for training) and received a discharge other than dishonorable within the past 25 years. NOTE: Eligible veterans must not have an ownership interest in a principal residence at the time of loan

 Will have the opportunity to purchase a home with a: 

• 4% interest rate
• $7000 down payment assistance and
• South Carolina Mortgage Credit Certificate (MCC)


Homes Available in the program in: Dorchester County , Charleston County , Berkeley County


For more information email me at:  or call 843-737-2865

To view homes to purchase:

Those citizens who do not qualify for the Palmetto Heroes program may still qualify for one of the other lending programs offered by SC Housing. If you are a  first-time homebuyer and interested in learning more about SC Housing’s other lending programs, please feel free to contact me either by phone, email or text