VA Loans in Myrtle Beach, SC
VA loans in Myrtle Beach and Horry County can finance a qualifying primary residence, but they are not designed to buy a vacation home or a property used only for short-term rentals. An eligible buyer with full entitlement may be able to purchase a qualifying primary home with $0 down and no monthly mortgage insurance. Coastal insurance, flood exposure, condominium approval, association costs, and the exact property can make the monthly payment look very different from the list price.
- Myrtle Beach and Horry County
- Coastal property guidance
- Licensed in all 50 states
Speak with a VA loan specialist about your loan options.
Send your name, email, and phone. A VA loan specialist will call you back and point you in the right direction. No credit pull.
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Prefer not to wait? Call 800-697-4371 or text us at (800) 697-4371.
What Should You Check Before Buying a Myrtle Beach Condo With a VA Loan?
Condominium approval is only the beginning because the building can change the payment and the loan review in several ways.
VA project status
Confirm the condominium early
Check the current VA approval status and any lender requirements before writing an offer that depends on VA financing.
Association finances
Review dues and assessments
Add the monthly dues to the payment and review the budget, master insurance, reserves, pending assessments, and required documents.
Property use
Confirm occupancy and rental rules
Make sure the intended primary-residence use and the building rules fit the VA loan and your plans.
Coastal costs
Price the insurance before the deadline
Flood, wind, homeowners, and master-policy coverage can materially change the payment and approval.
Talk through the numbers
Want help before you start touring homes?
Click Get a Callback, complete the form, and one of our VA specialists will call you to go over your specific scenario.
How Do Myrtle Beach and Horry County Areas Compare?
Buyers look for both Myrtle Beach and Horry County VA loan guidance because the coastal communities can have very different property types, insurance costs, and price ranges. Compare several areas before choosing the property and payment.
Myrtle Beach and Market Common
Carolina Forest and Conway
Murrells Inlet and inland Myrtle Beach
What Are Myrtle Beach Homes and Condos Doing Right Now?
The current snapshot compares home values, market time, inventory, and active listings across the Grand Strand. The ZIP-level view matters here because detached homes, condominiums, new construction, and properties near the water do not move like one market.
Review your estimate
Want the payment checked against your actual file?
A VA specialist can review the purchase price, entitlement, taxes, insurance, and lender options with you before you make an offer.
What Should Be Reviewed Before a Myrtle Beach VA Offer?
Use the address and property type to complete the review while you still have time to make a good decision.
- Confirm the primary-residence plan and the property’s eligible use.
- Check condominium approval and association documents when applicable.
- Get current homeowners, flood, and wind insurance information for the exact property.
- Review the current Horry County property-tax amount and any exemptions only after they are approved.
Can You Refinance a Myrtle Beach Home With a VA Loan?
The available refinance depends on the current loan, occupancy, equity, and what you want to improve.
Existing VA loan
VA Streamline Refinance
An Interest Rate Reduction Refinance Loan (VA Interest Rate Reduction Refinance Loan (IRRRL), often called a streamline refinance) may help with the rate or payment when the existing VA loan meets the current payment history, seasoning, recoupment, and required benefit rules.
Primary residence
VA cash-out refinance
For a Myrtle Beach primary residence, we review the available equity, current appraisal, borrower eligibility, loan-to-value (LTV), program limits, liens, costs, and full underwriting before the new loan can receive final approval.
Thinking of refinancing?
Want to go over your VA refinance options?
Complete the form and one of our VA specialists will call you to go over your options.
How Does PBT Review Credit for a Grand Strand VA Loan?
The VA does not set a minimum credit score, but most lenders require a score above 620. At PBT Bancorp, we have the ability to go as low as 500 on cash-out and purchase loans, and our VA IRRRL program has a No Minimum Credit Score option.
What Could Delay a Myrtle Beach VA Closing?
Once the application has been completed and all documents submitted, a complete VA loan can often close in just 2 to 3 weeks. Of course, the actual closing date still depends on how quickly we receive the appraisal, if one is needed, title documents, insurance, and how responsive the borrower is when items are needed for underwriting.
Is $832,750 the VA Loan Limit in Horry County?
That is a common misconception that many people have, but $832,750 is the 2026 one-unit conforming loan limit in Horry County, not the maximum VA loan amount. The FHFA sets the conforming loan limits by county each year, and this is not something that changes depending on your lender.
Please keep in mind that the conforming loan limit isn’t the actual limit for the loan amount the VA will approve. For a borrower with full entitlement, it is only the limit for a conforming loan, and anything over this amount would be considered a high-balance loan.
If you have partial entitlement, the county conforming loan limit is also used to calculate how much guaranty you have left and whether a down payment is needed. We pull your Certificate of Eligibility (COE) and explain how it applies before you start making offers.
What Do Myrtle Beach and Horry County Buyers Ask?
Can I use a VA loan to buy a vacation home in Myrtle Beach?
A VA purchase loan is for a qualifying primary residence, not a vacation home used only for occasional stays or short-term rentals.
Can I buy a Myrtle Beach condo with a VA loan?
A Myrtle Beach condo starts with the project’s current VA status, but the coastal details matter just as much. Review the unit appraisal, association finances, master policy, wind and flood coverage, pending assessments, monthly dues, rental rules, and your plan to use it as a primary residence.
What is the VA loan limit in Horry County?
That is a common misconception because $832,750 is the 2026 conforming loan limit in Horry County, not the maximum VA loan amount. A VA loan above that amount is considered high-balance, and the final approval still depends on the borrower, property, appraisal, and program.
Do I need flood insurance for a Myrtle Beach VA loan?
The answer comes from the flood determination for the exact Myrtle Beach or Horry County address. We also recommend getting the homeowners, wind, and condominium master-policy information early because the combined coverage can change the payment.
Can a military retiree use a VA loan in Myrtle Beach?
An eligible military retiree can use a VA loan to buy a qualifying Myrtle Beach primary residence. We pull the Certificate of Eligibility (COE), then review the income, debts, credit, entitlement, property type, and occupancy plan.
How long does a Myrtle Beach VA loan take to close?
Once the application has been completed and all documents submitted, a complete VA loan can often close in just 2 to 3 weeks. Of course, the actual closing date still depends on how quickly we receive the appraisal, if one is needed, title documents, insurance, and how responsive the borrower is when items are needed for underwriting.
Ready to start your Myrtle Beach VA loan?
Talk with a PBT Bancorp VA specialist about buying or refinancing in Myrtle Beach. We pull your Certificate of Eligibility (COE) and compare available bank and wholesale options. Once the application has been completed and all documents submitted, a complete VA loan can often close in just 2 to 3 weeks. Of course, the actual closing date still depends on how quickly we receive the appraisal, if one is needed, title documents, insurance, and how responsive the borrower is when items are needed for underwriting. Call 800-697-4371 or get pre-qualified online.
Content reviewed July 19, 2026. Local market data updated May 31, 2026 from Redfin Data Center monthly city/ZIP exports (rolling 3 months). PBT Bancorp NMLS #257781.
Sources reviewed include Redfin Data Center monthly city/ZIP exports (rolling 3 months), as of May 31, 2026 · U.S. Department of Veterans Affairs, VA home loan limits and entitlement, as of July 13, 2026 · Federal Housing Finance Agency, 2026 conforming loan limit values, as of July 13, 2026 · South Carolina Department of Revenue, Exempt Property, as of July 13, 2026 · U.S. Department of Veterans Affairs, home loan guaranty county statistics, as of July 19, 2026.