Home Financing in Horry County, South Carolina: A Plain-Language Guide for Solo Contractors and Small Investors

Horry County — home to Myrtle Beach and a fast-growing coastal economy — has a range of home financing options beyond the big banks, including local credit unions, CDFI lenders, and state-backed programs designed for first-time buyers and small investors. Whether you have a Social Security number or an ITIN, there are real pathways to ownership here. This guide walks you through who qualifies, what documents you need, which local institutions to approach, and what traps to avoid along the way.