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SouthState

South State Bank
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Portfolio Loans

In-House Mortgage Financing

Expanded guidelines for loan qualification with no mortgage insurance.

What are Portfolio Loans and In-House Financing?

You may have of heard of in-house financing but what exactly does that mean? We also refer to this type of home loan as a portfolio loan1 because SouthState doesn't intend to sell your loan to anyone else. Our team plans to retain these loans and directly service these for you. Additionally, SouthState has more flexibility as we don't have to adhere to third party investor guidelines. You get to reap many benefits when you choose an in-house mortgage to finance your home.
  • Low down payment options
  • No monthly mortgage insurance
  • Financing for primary or vacation homes
  • Escrow for Homeowner’s Insurance and Taxes not required2
  • Competitive interest rates
  • Local lending decisions
In-House Portfolio Mortgage Options

In-House Portfolio Mortgage Options

We offer many in-house portfolio adjustable-rate mortgages (ARMs) including those that can be used for purchase and refinance.

  • Physicians Loans
  • Construction Lending
  • Renovation Loans
  • Lot Loans
  • Jumbo Mortgages
  • 3/1, 5/1, 7/1 and 10/1 Adjustable rate Mortgages (ARM)1
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Stories and Insights


  • All loans subject to credit approval.
  1. If flood insurance is necessary, the premium must be escrowed. 

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