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Now Lending in Rock Hill

Rock Hill home loans —
Charlotte's South Carolina side.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Rock Hill and York County. From revitalized Old Town and the Riverwalk to fast-growing Fort Mill, Tega Cay, and Lake Wylie, we bring local guidance to the Charlotte metro's South Carolina side — with the ability to close in as little as 14 days* and pre-approvals often issued the same day.

Get Pre-Approved Call (561) 299-5825
York County
Charlotte Metro (SC Side)
14 days*
Close In As Little As
$832,750
2026 York County Conforming Limit
5.0 ★
Google Review Rating
Rock Hill Markets

Local lending across
every Rock Hill neighborhood.

Rock Hill & York County

A revitalized downtown plus some of the metro's fastest-growing suburbs.

  • Old Town & downtown Rock Hill
  • Riverwalk & the Catawba River
  • Fort Mill & Tega Cay
  • Lake Wylie & Clover area
Charlotte-Metro Growth

Commuter-friendly living with lower taxes across the state line.

  • Relocation & commuter purchases
  • New-construction programs
  • York County coverage
  • Minutes to I-77 & Charlotte
Every Kind of York County Buyer

From first homes to move-up, lakefront, and investor purchases.

  • First-time & move-up buyers
  • New construction & townhomes
  • Lakefront financing on Lake Wylie
  • Investment & rental properties (DSCR)
Old TownRiverwalkEbenezerNewportFort MillTega CayLake WylieIndia HookBaxter Village
Loan Programs in Rock Hill

Financing for every
kind of Rock Hill buyer.

FHA Loans

3.5% down with flexible credit — the most popular path for first-time Rock Hill homebuyers.

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VA Loans

0% down for Rock Hill's veterans and active-duty service members. No monthly mortgage insurance.

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Conventional Loans

Fixed and ARM options within the local $832,750 conforming limit for strong-credit borrowers.

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Jumbo Loans

High-balance financing for Rock Hill's luxury and higher-priced markets above conforming limits.

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DSCR Loans

Qualify on rental income to scale your Rock Hill investment-property portfolio.

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Non-QM Loans

Bank statement and alternative-doc programs for Rock Hill's self-employed borrowers.

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FAQ

Rock Hill mortgage
questions answered.

We serve homebuyers and homeowners throughout Rock Hill and York County, including Old Town, Riverwalk, Fort Mill, Tega Cay, and Lake Wylie, plus nearby Clover and York.
The 2026 conforming loan limit is $832,750 in York County, including Rock Hill. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's lakefront and higher-priced homes.
Rock Hill borrowers have access to FHA, VA, conventional, jumbo, Non-QM, DSCR, commercial, private money, and second mortgage / HELOC financing — for primary residences, second homes, and investment properties.

Ready to start your Rock Hill home journey?

Get pre-approved today — no cost, no obligation. Rock Hill borrowers, let's get you to the closing table.

Start My Application Call (561) 299-5825