We offer USDA Home Loan Financing for your new custom home with 100% Financing & No Money Down, Contact High Cotton Homes Today! We Build Custom Homes in South Carolina counties of Florence SC, Darlington SC, Chesterfield SC, Williamsburg SC, Marion SC, Sumter SC, Horry SC, Georgetown SC, Clarendon SC, Lee SC, Marlboro SC, Lancaster SC, Richland SC, Calhoun SC, Berkeley SC, Dillon SC and  Kershaw SC.

Let our High Cotton Homes Builder team help you find the right loan & lender for your new home. We offer a large selection of mortgage loan options for every budget and we can also help review your credit.
We offer 100% Financing with NO Money Down, speak with our custom home builder specialist's today about building & designing your custom home & designing your floor plan to meet your needs. We can build from your floor plan or you can customize one of our award winning home floor plan designs. High cotton Homes will build on your land or help you find a lot. Check out all of our floor plans and designs. Financing & building your home has never been this easy! 

High Cotton Homes - Home Builder Showroom: 116 E Carolina Ave. Hartsville, South Carolina 29550 - Call (843) 309-9171
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High Cotton Homes - Custom Home Builder in SC
USDA Financing
We know that one of the biggest hurdles in buying a new home in SC
is saving for a down payment & getting 100% Financing – especially if you’re a first time home buyer.

The hottest mortgage program available!  If you’re thinking about buying a home in the surrounding Pee Dee area in SC, we offer:

100% Financing with No Money Down!
Low Interest rates
With the USDA Mortgage Program*

This is a government program to help low to med. Income families. 
The USDA eligibility is based on the city area and household income.

View the all Floor Plans & Home Designs we can build you!


We can build you a custom home in these Counties:

Florence SC, Darlington SC, Chesterfield SC, Hartsville SC, Marion SC, Sumter SC, Horry SC, Georgetown SC, Clarendon SC, Lee SC, Marlboro SC, Lancaster SC, Richland SC, Calhoun SC, Berkeley SC, Dillon SC and Kershaw SC. View All Building Area's


​If you’re curious to find out what type of loan would work best for you,
contact us to learn more about getting a USDA home loan.

Many people are very surprised to find out they qualify for a USDA loan. This is newer loan program that gives you the chance to own a home with no money down, 100% financing and low interest rates.​

Whether you’re looking to build in the next couple months or a year down the road, we’ll provide you with all the information you need to avoid the mistakes that other home buyers have made in the past.

It’s your dream home. We just help build it.

We can help you find the land and a home design that's right for you and your family. 100% financing options available through the USDA loan program, so you have no closing costs and no upfront fees to pay.

We help new home buyers take the appropriate steps towards home-ownership. If you're thinking about building a new custom home we invite you contact us and we will assist you with your loan needs.

Contact us today to discuss your financing options. (843) 309-9171
 Financing Options
USDA Home Loans
100% Financing - $0 Down
Home Loans From $525 mo.
Homes based on your monthly payment
First Time Home Buyers
You may qualify for many loans options
VA Home Loans
Veterans‎ can get $0 Down Loans
Conventional Mortgage Loans
Backed by Fannie Mae or Freddie Mac.
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We offer many Financing Options
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* All High Cotton Homes offers, prices and sales promotions are subject to specific rules, restrictions, time periods and limited quantities; 
and may be changed or withdrawn without notice at any time. Ask our sales consultant for details.
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High Cotton Homes - Custom Home Builder in SC
Let us show you how to get approved for a USDA loan.

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(843) 309-9171
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We have a home loan for you!
FHA Home Loans
An FHA might be just what you need. 
Mortgage Process
We cover the Steps & Terminology
Credit Scores & Mortgages
What is a good credit score for loans.
Renting Versus Buying
Advantages of buying a new built home
PreQualify & Ask Questions
Pre-Qualification process & steps,
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Find Your Payments, Savings and more.
USDA Home Loans
100% Financing
No Money Down
Contact Us Today!
(843) 309-9171
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