Pre-approval: Paving the Way to Your Home

Sponsored By: SC Federal Credit Union

Sponsored By: SC Federal Credit Union

You can visualize yourself sitting by the pool or preparing your Thanksgiving meal on the Viking range, but have you done the prep work for making your dream home a reality?

In competitive markets, like the Charleston region, being prepared to make your home purchase can give you a leg up on other eager house hunters.

Pre-approval is valuable for establishing credibility with real estate agents and sellers, but more importantly, ensuring that you have an accurate understanding of how much you can afford and the payments in various loan ranges. With this knowledge, you are well-positioned to scour the market and make competitive offers.

At South Carolina Federal Credit Union we can offer pre-approval (and peace of mind) in minutes. The 10 minute process can be completed online at You may also apply by phone (843.569.5145) or schedule an appointment at one of our 17 convenient financial centers.

For the pre-approval process you will need:

  1. Social security number and date of birth for all applicants
  2. Employment and income verification
  3. The price range of homes you are considering
  4. Current bank and balance information

Once you are pre-approved, we’re happy to work with the realtor who finds the price tag, location and amenities you are looking for in your home.

Don’t let concerns about membership eligibility stop you from getting the best possible loan rate. Membership at South Carolina Federal is open to those who live, learn, work or worship in our footprint (to include Charleston, Berkeley, Dorchester and Georgetown counties).

By working with South Carolina Federal Credit Union, you work with experts who are your neighbors. As part of this community for nearly 80 years, we know what it takes to make the home buying experience a LifeSimplified moment.

*Pre-approvals are subject to property underwriting and appraisal. Borrower must satisfy pre-approval conditions outlined in commitment letter. Loan amount subject to property appraisal.