South Carolina's Code treats the mortgagee as owner of the money lent and requires the debt to be established by court judgment, or consented to in writing, before a power of sale passes title. Defendants facing a personal judgment can petition for an appraisal within thirty days of the sale. Deeds carry a recording fee, mechanics liens run on a ninety day clock, and the state geological survey documents the 1886 Charleston earthquake.
World's Fair Capital makes business purpose loans to real estate investors in South Carolina: fix and flip, DSCR rental, bridge and ground-up construction. This page covers points that most often matter to an investor there, each checked against the statute or agency that publishes it. It is general information, not legal or tax advice, and terms for any loan are set at underwriting.
Prepared by the WFC editorial team. Facts checked against the cited sources, last reviewed 2026-10-11.
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How a South Carolina loan works with us
- 1Start your application
Fill out a short application in our secure portal.
- 2Review the term sheet
We prepare a term sheet for you to review and e-sign.
- 3Underwriting
Our team works the file and sends a clear document checklist.
- 4Closing
We close and fund through the title or closing agent.
What investors should know about South Carolina
Mortgage is a security interest, not title
South Carolina's Code says the mortgagor is deemed the owner of the land and the mortgagee the owner of the money lent, with satisfaction recovered by foreclosure and sale according to law.
Source: S.C. Code 29-3-10, checked 2026-10-11
Debt must be established before a power-of-sale transfer
A sale under a mortgage power of sale passes title only if the debt was first established by a court judgment or the debtor consented in writing to the amount after maturity.
Source: S.C. Code 29-3-630, checked 2026-10-11
Appraisal petition after a foreclosure sale
In a real estate foreclosure, a defendant facing a personal judgment may petition within thirty days after the sale for an order of appraisal.
Source: S.C. Code 29-3-680, checked 2026-10-11
Deed recording fee
South Carolina imposes a recording fee for recording a deed that transfers realty: $1.85 for each $500 of value, or fraction of it. The statute describes it as a fee on deeds.
Source: S.C. Code 12-24-10, checked 2026-10-11
Mechanics lien dissolves after 90 days without filing
A mechanics lien is dissolved unless the claimant serves the owner and files a sworn statement within ninety days after ceasing to labor on or furnish materials for the building or structure.
Source: S.C. Code 29-5-90, checked 2026-10-11
Charleston earthquake history
The state geological survey describes the 1886 Charleston earthquake with an estimated magnitude of 7.6, felt over 2.5 million square miles.
Source: SCDNR Geological Survey, Earthquake Information, checked 2026-10-11
General information, not legal or tax advice. Confirm details with your own counsel or title agent.
For brokers
Placing a deal in South Carolina?
Your client stays your client. We work the deal with you, not around you.
Your compensation is written into the Letter of Intent your client reviews and e-signs, before underwriting begins.
Register in the portal to submit deals online, use program sheets and calculators, and track every file.
Questions on a South Carolina deal? Call 800-590-7911 (Mon–Fri 8:00 AM – 5:00 PM EST).
What to send for a first look
- Property address and type
- Purchase price, or current value on a refinance
- Loan amount requested and what it is for
- Rehab or construction budget, if any
- Current or expected rent on a rental
- The borrower's experience and estimated credit score
- Your timeline to close
Loan programs for South Carolina investors
- Hard Money Loans
- Fix & Flip Loans
- Rental / DSCR Loans
- Ground-Up Construction Loans
- Commercial Bridge Loans
- Multifamily Bridge Loans
- Small Balance Commercial Loans
- Foreign National Loans
- FlexCap Business Bridge Loans
Program availability varies by property and borrower. Business purpose loans only.
Have a deal in South Carolina?
Call 800-590-7911 (Mon–Fri 8:00 AM – 5:00 PM EST) or start online.
Nothing on this website constitutes a commitment, approval, or guarantee of financing.
Rates, fees, terms, timelines, and program descriptions are subject to change without notice.
Any investor-related or capital discussion is not an offer to sell, a solicitation to buy, or a recommendation of any security or investment product.