Homebuying Just Got Easier: Here’s How the Buyer’s Advantage Program Helps

At SouthState Bank, we believe homeownership should feel possible, not impossible. That’s why we created the Buyer’s Advantage program. Whether you’re a first-time buyer or just need a little extra support to make your next move, this exclusive program is designed to help reduce barriers, ease the financial strain, and make it easier to step into the home that’s right for you. 

In this article, we’ll walk you through what Buyer’s Advantage is, who it’s for, and how it could be the game-changing tool you need to make homeownership a reality. 

What Is the Buyer’s Advantage Program? 

The Buyer’s Advantage Program is a SouthState-exclusive mortgage solution designed to help more people become homeowners, especially those who might need extra support navigating the homebuying process. With this program, eligible buyers can access flexible financing options and reduce upfront costs that make purchasing a home more attainable. 

Unlike traditional loan programs, Buyer’s Advantage offers expanded guidelines and tailored benefits to meet buyers where they are. Whether you’re working with a smaller down payment, navigating credit challenges, or just looking for a smoother path to homeownership, this program is built to remove some of the common roadblocks. 

Backed by SouthState’s local expertise and relationship-driven approach, Buyer’s Advantage isn’t just a loan, it’s a strategic tool to help you buy with more confidence and less stress. 

Key Benefits for Homebuyers

The Buyer’s Advantage program is more than just a mortgage: it’s a way to make homeownership more accessible and affordable. Here are some of the standout benefits that set it apart: 

Lower Down Payment Options

• Many buyers struggle to save for a large down payment. Buyer’s Advantage offers more flexible down payment requirements, helping you get into a home sooner without drawing from your savings. In fact, you could qualify for a down payment as low as 0% down. The Buyer’s Advantage mortgage provides up to 100% financing based on the purchase price or a bank-accepted appraisal, whichever is lower. Plus, Private Mortgage Insurance (PMI) isn’t required for a Buyer’s Advantage mortgage, which is typically required when a down payment less than 20% is made. 

Expanded Credit Flexibility

• Not everyone has a perfect credit score, and that shouldn’t stand in the way of owning a home. This program offers more lenient credit requirements, giving buyers with a minimum 640 credit score a real opportunity to qualify. 

A Smoother Homebuying Process

• Because this mortgage program is offered directly through SouthState, you get the added benefit of working with a local, experienced Mortgage Banker who understands your community and is with you every step of the way. 

Who Qualifies for Buyer’s Advantage?

One of the best parts about the Buyer’s Advantage program is that it’s designed to open more doors to homeownership. To qualify, you’ll need to meet just one of the following criteria:

• The home is located in a neighborhood with low-to-moderate income levels, OR
• The area has at least a 50% minority population, OR
• Your income is at or below 80% of the area’s average income level.

Not sure where your income or property stands? Don’t worry, your SouthState Mortgage Banker can help check the details for you using census data tools. The goal is to make qualifying straightforward and transparent, so you can focus on finding the right home, not stressing over fine print. 

How to Get Started

If you think Buyer’s Advantage might be a good fit for you, or even if you’re just curious about what you might qualify for, the next step is easy. Connect with a local SouthState Mortgage Banker who can walk you through the program, check your eligibility, and explain how it fits into your bigger homebuying goals. 

Want to learn more?

Start your journey today by visiting SouthStateBank.com/AtlantaVoice.