Reverse Mortgage for Home Purchase: How It Works in 2026

 

A reverse mortgage for home purchase can help homeowners aged 62 and older buy a new primary residence without required monthly mortgage payments. This option may make it easier to downsize, move closer to family, or choose a home that better supports retirement.

Reverse Mortgage Specialist Greenville helps older homeowners understand how the Home Equity Conversion Mortgage for Purchase program works. With careful planning, buyers can use funds from savings or a previous home sale to complete the purchase while keeping more retirement income available for other needs.

Table of Contents

• What Is a HECM for Purchase?
• How Does a Reverse Mortgage for Home Purchase Work?
• Why Buyers Consider This Financing Option
• Basic Eligibility Requirements
• Properties That May Qualify
• Understanding the Required Down Payment
• Comparing Reverse Mortgage Loans With Traditional Financing
• Reverse Mortgage for Home Purchase: Costs and Ongoing Responsibilities
• Reverse Mortgage for Home Purchase: The Role of Counseling and Professional Guidance
• Reverse Mortgage for Home Purchase: How to Begin the Application Process
• Reverse Mortgage for Home Purchase: Advantages and Potential Drawbacks
• Frequently Asked Questions
• Is a Reverse Mortgage for Home Purchase Right for You?

What Is a HECM for Purchase?

A Home Equity Conversion Mortgage for Purchase, often called a HECM for Purchase, is an FHA-insured loan for eligible homebuyers. It combines a home purchase and a reverse mortgage into one transaction.

Instead of buying a property first and applying for financing later, the borrower completes both steps at closing. The loan covers part of the purchase price, while the buyer provides the remaining amount as a down payment.

A traditional reverse mortgage usually gives a homeowner access to equity in a property they already own. In contrast, a HECM for Purchase helps an eligible borrower acquire a different home that will become the borrower’s principal residence.

The borrower keeps the title and continues to own the property. However, the homeowner must follow the loan requirements to keep the account in good standing.

How Does a Reverse Mortgage for Home Purchase Work?

A reverse mortgage for home purchase pays for a portion of the new home’s price. The buyer covers the difference with approved funds, which may include savings, investments, or proceeds from selling a previous residence.

The available loan amount depends on several factors. These commonly include:

• The age of the youngest eligible borrower
• The appraised value or purchase price
• Current interest rates
• FHA lending rules
• The selected payment structure
• Required closing expenses

Generally, older borrowers may qualify for a larger percentage of the property’s value. However, each transaction is different, so buyers should request a personalized estimate before making an offer.

The homeowner does not make required monthly principal and interest payments. Instead, interest and applicable charges become part of the loan balance over time.

The loan usually becomes due when the last borrower sells the property, permanently moves away, or passes away. At that point, the home may be sold to repay the balance, or eligible heirs may choose another repayment option.

Why Buyers Consider This Financing Option

Many older adults have significant equity in their current homes but do not want to use all their available cash for another property. This program may allow them to purchase a suitable home while preserving part of their savings.

For example, a homeowner may sell a large property and use only part of the proceeds toward a smaller residence. The remaining funds may stay available for healthcare, travel, emergencies, or daily living expenses.

People interested in buying a home with reverse mortgage financing may also want to avoid taking on a traditional monthly payment. Reducing fixed housing expenses can make retirement budgeting easier, especially for households living on Social Security, pensions, or investment income.

However, the program does not eliminate every housing expense. Homeowners remain responsible for taxes, insurance, association charges, repairs, and routine upkeep.

Basic Eligibility Requirements

Applicants must meet several borrower and property requirements. Although a lender reviews each situation individually, common requirements include:

• At least one eligible borrower must meet the minimum age requirement.
• The purchased property must become the principal residence.
• The borrower must occupy the property within the required period.
• The home must meet FHA property standards.
• Complete the required financial counseling.
• Provide an acceptable down payment.
• The borrower must show the ability to pay ongoing property expenses.

The lender also completes a financial assessment. This review helps determine whether the applicant can continue paying property taxes, homeowners insurance, maintenance costs, and other required charges.

Applicants do not qualify for a reverse mortgage for home purchase based only on the amount of equity they have. Their credit history, income sources, assets, debts, and record of paying property-related expenses may also affect the decision.

Properties That May Qualify

The property must meet FHA requirements and serve as the borrower’s primary residence. Eligible property types may include certain single-family homes, approved condominiums, and qualifying manufactured homes.

Some two- to four-unit properties may also qualify when the borrower occupies one unit. However, the entire property must satisfy the applicable standards.

The home will usually require an appraisal. If the appraiser identifies health, safety, or structural concerns, the seller may need to complete repairs before closing.

Vacation homes and investment properties do not qualify as the new principal residence. Therefore, buyers should confirm property eligibility before committing to a purchase contract.

Understanding the Required Down Payment

The buyer must make a substantial down payment because the loan covers only part of the purchase price. The exact amount varies according to the borrower’s age, interest rates, home value, and program calculations.

In many cases, the down payment may range from approximately 30% to 60% of the price. Still, this range is only a general estimate and should not replace a formal loan calculation.

Approved funds may come from:

• Personal savings
• Checking or money market accounts
• Retirement assets
• Investment account withdrawals
• Proceeds from selling another home
• Certain acceptable gifts
• Other lender-approved sources

Borrowers cannot normally use unsecured debt to cover the required investment. Therefore, buyers should discuss their planned funding source before transferring money or signing a purchase agreement.

Comparing Reverse Mortgage Loans With Traditional Financing

Traditional mortgages usually require monthly principal and interest payments. They may require a smaller initial down payment, but the payment obligation can place additional pressure on a fixed retirement budget.

By contrast, reverse mortgage loans do not require regular principal and interest payments while the borrower meets the program conditions. However, the balance grows as interest and charges accrue.

The following comparison highlights several key differences:

Feature	HECM for Purchase	Traditional Mortgage
Eligible borrower	Generally age 62 or older	Adults who meet lender requirements
Monthly principal and interest	Not required	Usually required
Principal residence	Required	Depends on the loan program
Buyer contribution	Usually substantial	Varies by program
Loan balance	Generally increases over time	Generally decreases with payments
FHA insurance	Required for a HECM	Depends on loan type
Property expenses	Paid by the homeowner	Paid by the homeowner

Neither choice is automatically better for every buyer. The right option depends on cash flow, long-term housing plans, estate goals, and available funds.

Reverse Mortgage for Home Purchase: Costs and Ongoing Responsibilities

Borrowers should review all costs before choosing a reverse mortgage for home purchase. Expenses may include an origination charge, appraisal fee, title services, mortgage insurance premiums, recording costs, and other settlement fees.

Some closing expenses may be financed into the transaction. However, financing fees increases the balance and may reduce the amount available toward the purchase.

Homeowners must also pay ongoing expenses on time. These responsibilities include:

• Property taxes
• Homeowners insurance
• Flood insurance when required
• Homeowners association fees
• Repairs and maintenance
• Other property-related assessments

Failure to meet these obligations can place the loan in default. As a result, borrowers should create a realistic housing budget before closing.

Reverse Mortgage for Home Purchase: The Role of Counseling and Professional Guidance

Reverse mortgage in Greenville SC

Mandatory reverse mortgage counseling gives borrowers an independent opportunity to review the program. A HUD-approved counselor can explain costs, responsibilities, repayment events, alternatives, and the possible effect on heirs.

Counseling does not replace legal, tax, or financial advice. Still, it can help buyers prepare questions and identify issues that require additional review.

Reverse Mortgage Specialist Greenville can coordinate with buyers, real estate agents, counselors, and other professionals during the transaction. This support can help prevent delays and clarify what documents the lender needs.

Reverse Mortgage for Home Purchase: How to Begin the Application Process

Start by speaking with qualified reverse mortgage lenders before shopping for a property. An early estimate can help establish a realistic price range and approximate buyer contribution.

Next, complete the required counseling and gather financial documents. These may include bank statements, income records, identification, insurance information, tax records, and documentation showing the source of the down payment.

The reverse mortgage loan application begins the formal review. After receiving the application, the lender evaluates the borrower’s finances, orders the appraisal, reviews the title, and confirms that the property meets program requirements.

Buyers should tell their real estate agents that they plan to use a HECM for Purchase. An informed agent can help structure the contract and allow enough time for appraisal, underwriting, repairs, and closing.

Reverse Mortgage for Home Purchase: Advantages and Potential Drawbacks

This financing method may offer several benefits:

• No required monthly principal and interest payments
• A chance to purchase a more suitable retirement home
• Greater flexibility when using proceeds from a previous sale
• The ability to preserve some cash for other retirement needs
• Continued homeownership as long as loan terms are met

However, buyers should also consider the possible disadvantages:

• The initial contribution can be substantial.
• Interest and fees increase the balance.
• The homeowner must continue paying property expenses.
• Future home equity may be lower.
• Moving out permanently can trigger repayment.
• The program may not suit a short-term housing plan.

A qualified reverse mortgage specialist can provide estimates and explain the lending process. However, borrowers should also consider advice from trusted financial, legal, and tax professionals when making a major retirement decision.

Frequently Asked Questions

Can I use the program to purchase any home?

No. The property must meet FHA requirements and become your primary residence. Certain property types may not qualify, so confirm eligibility before submitting an offer.

Do I still own the house?

Yes. You remain the owner and keep the title, just as you would with other mortgage financing.

However, you must pay property-related expenses and maintain the home. You must also follow occupancy and loan requirements.

Do I make monthly mortgage payments?

You do not have to make monthly principal and interest payments. You may choose to make voluntary payments, but the program does not require them while you meet the loan terms.

Taxes, insurance, association fees, and maintenance remain your responsibility. These expenses are separate from the mortgage payment requirement.

What happens when the borrower dies?

The loan generally becomes due after the last borrower passes away. Heirs may sell the property, repay the balance through other funds, or explore available options for keeping the home.

Because estate situations vary, borrowers should discuss their plans with family members. Clear communication can help heirs understand the future repayment process.

Is this option suitable for a short-term move?

It may not be the best choice for someone who expects to move again soon. Upfront charges can make the program less practical for short ownership periods.

Is a Reverse Mortgage for Home Purchase Right for You?

A reverse mortgage for home purchase may help eligible buyers move into a home that fits their retirement needs while avoiding required monthly principal and interest payments. Still, the homeowner must have enough funds for the initial contribution and ongoing property expenses.

Consider how long you expect to remain in the home, how the transaction affects your savings, and whether preserving cash matters more than preserving maximum equity. Also, review how the loan could affect your estate and family plans.

Before making a decision, compare this program with paying cash, using traditional financing, or remaining in your current residence. A complete comparison can reveal which option best supports your financial goals.

Reverse Mortgage Specialist Greenville can help you explore HECM for Purchase financing, estimate your required contribution, and prepare for the approval process. Contact the team today to discuss your housing goals and learn whether this purchase option fits your retirement plans.

Learn more about reverse mortgages on our Facebook page.

Reverse Mortgage Specialist
Greenville, SC 29607
843-491-1436
www.reversemortgagespecialistusa.com/greenville

Areas Served:

Myrtle Beach, SC, Charleston, SC, Columbia, SC, Greenville, SC, Hilton Head Island, SC

 

Home Equity: An Untapped Retirement Resource for Today’s Homeowners

For many homeowners, home equity represents one of the largest assets they own. Yet countless people reach retirement without ever considering how that value could strengthen their financial future. Instead of allowing years of hard-earned equity to remain unused, homeowners can evaluate whether it fits into their overall retirement strategy. While every financial situation is unique, understanding the available options can help you make informed decisions that improve long-term financial confidence.

At Reverse Mortgage Specialist Greenville, we help homeowners understand how their housing wealth can work alongside other retirement resources. Rather than making assumptions, we encourage education first so every homeowner understands the benefits, responsibilities, and potential outcomes before making any financial decision.

Table of Contents

• Why Many Homeowners Leave Home Equity Untouched
• How Home Equity Can Improve Retirement Planning
• Understanding Reverse Mortgage Loans
• Why Many Retirees Prefer Aging in Place
• Home Equity Can Support Financial Stability Throughout Retirement
• Home Equity: Addressing Common Misunderstandings
• Home Equity: The Importance of Professional Guidance
• What to Expect During the Reverse Mortgage Loan Application
• Home Equity: Choosing Trusted Reverse Mortgage Lenders
• Home Equity Should Be Part of Reverse Mortgage and Retirement Planning Conversations

Why Many Homeowners Leave Home Equity Untouched

For many families, a home carries emotional value beyond its financial worth. It represents decades of memories, stability, and hard work. Because of this emotional connection, many homeowners hesitate to access the value built inside the property.

Common reasons include:

• Wanting to leave the home to children or grandchildren
• Worrying about reducing an inheritance
• Believing borrowing after retirement is risky
• Misunderstanding available financing options
• Assuming selling the home is the only solution

These concerns are understandable. However, they should be weighed against present financial needs rather than outdated assumptions.

How Home Equity Can Improve Retirement Planning

A well-developed retirement planning strategy focuses on creating reliable resources that support everyday living throughout retirement. While savings accounts, pensions, and investments often receive most of the attention, housing wealth deserves consideration as well.

Many homeowners have accumulated substantial equity over several decades simply by paying down their mortgage and benefiting from rising property values.

Instead of remaining an unused asset, that equity may help cover:

• Healthcare expenses
• Home maintenance
• Property taxes and insurance
• Emergency expenses
• Daily living costs
• Lifestyle improvements

Every situation is different, but evaluating available options allows homeowners to determine whether accessing equity aligns with their long-term goals.

Understanding Reverse Mortgage Loans

Many people immediately associate housing wealth with selling their home. However, reverse mortgage loans provide another option that allows qualified homeowners to remain in their homes while converting part of their available equity into accessible funds.

Unlike traditional mortgages, borrowers generally do not make monthly mortgage payments toward the loan balance. Instead, repayment typically occurs when the homeowner permanently leaves the home, sells the property, or no longer meets the loan requirements.

This approach allows many homeowners to remain where they feel most comfortable while improving cash flow during retirement.

At the same time, homeowners continue to be responsible for maintaining the property and paying applicable taxes and insurance.

Why Many Retirees Prefer Aging in Place

Reverse mortgage in Greenville SC

Most retirees share one common goal: staying in the homes they love.

After decades of building friendships, joining neighborhood communities, and creating family memories, relocating can become emotionally and financially difficult.

Remaining at home offers several advantages:

• Familiar surroundings
• Established social connections
• Greater comfort and independence
• Reduced stress from moving
• Continued involvement in local communities

Because of these benefits, many homeowners explore financial options that allow them to stay where they are instead of downsizing simply because income has become limited.

Home Equity Can Support Financial Stability Throughout Retirement

One of the greatest concerns facing older homeowners is maintaining consistent cash flow while managing rising living expenses. Healthcare costs, inflation, utilities, insurance, and home repairs often increase over time, even after a mortgage has been paid off. For this reason, many financial professionals recognize that using available housing wealth can support financial stability when carefully incorporated into a broader retirement strategy.

Rather than relying entirely on investment withdrawals during difficult market conditions, homeowners may have another financial resource available through the value already built into their homes. The right solution depends on individual circumstances, goals, and financial priorities.

Home Equity: Addressing Common Misunderstandings

Unfortunately, many misconceptions continue to discourage homeowners from exploring available options. Some believe they no longer own their home. Others assume they immediately lose their property after obtaining a reverse mortgage.

Neither assumption is accurate. Qualified homeowners continue owning their property while meeting loan obligations, including maintaining the home and paying required taxes and insurance. Education plays a significant role in helping homeowners separate facts from myths before making important financial decisions.

Home Equity: The Importance of Professional Guidance

Every homeowner’s financial picture is different. Income sources, health, family goals, estate plans, and housing needs all influence whether this type of financing makes sense.

Before moving forward, homeowners should schedule a reverse mortgage consultation to review:

• Financial goals
• Current expenses
• Long-term housing plans
• Available equity
• Alternative financing options
• Family considerations

At Reverse Mortgage Specialist Greenville, education remains the priority. We believe homeowners deserve straightforward answers that allow them to make confident decisions without unnecessary pressure.

What to Expect During the Reverse Mortgage Loan Application

Many homeowners delay exploring financing because they assume the process will be overwhelming.

Fortunately, the reverse mortgage loan application follows a structured process designed to help borrowers understand every step before closing.

The process generally includes:

• Reviewing eligibility requirements
• Completing required counseling
• Property appraisal
• Financial assessment
• Loan underwriting
• Final closing

Taking time to understand each stage often reduces uncertainty and helps homeowners feel prepared throughout the process.

Home Equity: Choosing Trusted Reverse Mortgage Lenders

Not every lender provides the same level of education or customer support.

Experienced reverse mortgage lenders focus on helping homeowners understand both the advantages and responsibilities before making a commitment.

When comparing lenders, consider:

• Years of industry experience
• Clear communication
• Transparent fee explanations
• Educational resources
• Personalized recommendations
• Ongoing customer support

Working with knowledgeable professionals can make the process significantly easier while helping homeowners avoid unnecessary confusion.

Home Equity Should Be Part of Reverse Mortgage and Retirement Planning Conversations

Many financial discussions focus almost entirely on savings and investments. However, reverse mortgage and retirement planning conversations should also evaluate the value homeowners have accumulated inside their homes. Housing wealth may not be appropriate for every family. Nevertheless, ignoring one of the largest retirement assets may limit available financial options.

Instead of automatically dismissing the idea, homeowners should gather accurate information and determine whether it supports their overall retirement objectives. At Reverse Mortgage Specialist Greenville, we help homeowners understand every available option so they can make informed decisions based on facts rather than misconceptions.

Your home represents years of dedication, sacrifice, and financial commitment. The value you’ve built should not remain overlooked simply because of outdated information or unnecessary fear. If you’re exploring retirement income options in Greenville SC, now is an excellent time to learn whether your housing wealth fits your long-term financial goals.

Contact Reverse Mortgage Specialist Greenville today to schedule a personalized consultation. Our experienced team will explain your options, answer your questions, and help you determine whether using your home’s value makes sense for your retirement plans.

Learn more about reverse mortgages on our Facebook page.

Reverse Mortgage Specialist
Greenville, SC 29607
843-491-1436
www.reversemortgagespecialistusa.com/greenville

Areas Served:

Myrtle Beach, SC, Charleston, SC, Columbia, SC, Greenville, SC, Hilton Head Island, SC

 

How a Reverse Mortgage Can Provide a Broader Retirement Strategy

 

Retirement today requires careful preparation, flexible income sources, and smart use of available assets. For many homeowners, a broader retirement strategy includes looking beyond traditional savings accounts and investment portfolios. Home equity often represents one of the largest assets retirees own, yet many people overlook its potential role in creating long-term financial security. When used strategically, home equity can become an important piece of a well-rounded retirement plan.

As retirees explore ways to maintain independence and improve cash flow, Reverse Mortgage Specialist Greenville helps homeowners understand how housing wealth may fit into their long-term financial goals. Rather than viewing a home solely as a place to live, many retirees now see it as a valuable financial resource that can help support their future.

Table of Contents

• Why a Broader Retirement Strategy Matters
• Using Home Equity to Strengthen Retirement Income
• How a Broader Retirement Strategy Supports Long-Term Goals
• Preserving Investment Assets During Market Volatility
• Retirement Planning Requires Multiple Income Sources
• Creating Cash Flow That Can Support Financial Stability
• Working With Professionals for a Broader Retirement Strategy
• Understanding the Process
• Choosing Among Reverse Mortgage Lenders
• How Greenville Homeowners Are Thinking Differently About Retirement
• Is a Broader Retirement Strategy Right for You?

Why a Broader Retirement Strategy Matters

Many retirees enter retirement expecting Social Security, pensions, and investment accounts to cover their expenses. However, inflation, healthcare costs, and market fluctuations can create financial pressure over time. Therefore, relying on a single income source may limit flexibility.

A well-designed broader retirement strategy considers multiple income streams and assets. By diversifying available resources, retirees can reduce financial stress while maintaining greater control over their lifestyle choices.

In many cases, housing wealth becomes an overlooked asset that can contribute significantly to retirement success.

Using Home Equity to Strengthen Retirement Income

For many homeowners, a significant portion of their net worth is tied to their home. Instead of leaving that equity untouched, some retirees choose to access a portion of it through a reverse mortgage.

Unlike traditional borrowing, funds can be accessed while homeowners continue living in their homes. As a result, retirees may gain additional financial flexibility without selling their property or taking on required monthly mortgage payments.

This approach allows homeowners to supplement retirement income while preserving other financial resources.

How a Broader Retirement Strategy Supports Long-Term Goals

A successful broader retirement strategy focuses on sustainability rather than short-term solutions. Additional cash flow can help retirees manage expenses while allowing investment accounts more time to grow.

Many retirees use available funds to:

• Cover healthcare expenses
• Delay Social Security benefits
• Reduce withdrawals from investment accounts
• Create emergency reserves
• Improve cash flow during market downturns
• Fund home modifications for aging in place

Consequently, retirees gain additional options when unexpected financial challenges arise.

Preserving Investment Assets During Market Volatility

Market downturns can significantly impact retirement portfolios. Selling investments during a declining market often locks in losses that may be difficult to recover.

Some retirees use reverse mortgage loans as a supplemental resource during periods of market uncertainty. Instead of withdrawing funds from investments when markets are down, they may rely on available home equity resources until conditions improve.

As a result, investment portfolios may have additional time to recover, helping protect long-term retirement income.

Retirement Planning Requires Multiple Income Sources

Effective retirement planning rarely depends on a single strategy. Financial advisors often recommend creating several sources of retirement income to improve stability.

Home equity can complement other retirement assets by providing flexibility when expenses increase unexpectedly. Therefore, retirees may feel more confident knowing they have additional resources available if needed.

Because retirement can last decades, flexibility often becomes just as important as savings accumulation.

Creating Cash Flow That Can Support Financial Stability

Reverse mortgage in Greenville SC

Many retirees seek ways to maintain their lifestyle without constantly worrying about monthly expenses. Accessing home equity can help support financial stability by providing additional funds when necessary.

This added flexibility may help homeowners:

• Handle rising living expenses
• Address healthcare costs
• Pay off existing debt
• Maintain emergency savings
• Reduce financial stress

Consequently, retirees can focus more on enjoying retirement and less on financial uncertainty.

Working With Professionals for a Broader Retirement Strategy

Every retirement situation is unique. Therefore, homeowners should evaluate their financial goals carefully before making major decisions.

A professional reverse mortgage consultation can help retirees understand available options and determine whether home equity aligns with their overall retirement objectives. During the consultation process, homeowners can review eligibility requirements, available payout options, and long-term considerations.

At this stage, Reverse Mortgage Specialist Greenville often works with homeowners to evaluate how home equity can fit into their retirement plans while supporting their broader financial goals.

Understanding the Process

Many retirees hesitate because they assume the process is complicated. However, the steps are often straightforward when working with experienced professionals.

The process generally includes:

1. Initial education and planning
2. Financial evaluation
3. Required counseling session
4. Property review
5. Completion of the reverse mortgage loan application
6. Loan processing and approval
7. Access to available funds

Throughout the process, borrowers can ask questions and evaluate whether the solution aligns with their retirement objectives.

Choosing Among Reverse Mortgage Lenders

Not all financial providers offer the same level of service. Therefore, retirees should carefully compare reverse mortgage lenders before moving forward.

Important factors include:

• Experience with retirement-focused lending
• Educational support
• Transparency regarding costs
• Communication throughout the process
• Understanding of long-term retirement goals

A knowledgeable lender can help retirees make informed decisions while avoiding unnecessary confusion.

How Greenville Homeowners Are Thinking Differently About Retirement

Homeowners in Greenville SC are increasingly looking at retirement through a broader financial lens. Rather than relying solely on investment accounts, many retirees are evaluating all available assets to create greater flexibility.

By incorporating housing wealth into their financial plans, retirees may gain additional confidence and control over future expenses. As retirement planning continues to evolve, home equity remains an important consideration for many households.

Is a Broader Retirement Strategy Right for You?

Every retiree has different goals, assets, and financial concerns. However, homeowners who want additional flexibility may benefit from exploring how home equity fits into a broader retirement strategy.

The key is understanding all available options and evaluating how each decision supports long-term financial objectives. When properly integrated into an overall retirement plan, home equity can become a valuable tool for creating income flexibility and financial confidence.

Before making any decisions, speak with experienced professionals who can explain the benefits, considerations, and potential outcomes. Reverse Mortgage Specialist Greenville is committed to helping retirees explore solutions that align with their personal retirement goals.

If you want to learn how home equity may fit into your retirement plans, schedule a consultation today with Reverse Mortgage Specialist Greenville. A personalized review can help you understand whether a reverse mortgage solution supports your goals and helps create a stronger financial future.

Learn more about reverse mortgages on our Facebook page.

Reverse Mortgage Specialist
Greenville, SC 29607
843-491-1436
www.reversemortgagespecialistusa.com/greenville

Areas Served:

Myrtle Beach, SC, Charleston, SC, Columbia, SC, Greenville, SC, Hilton Head Island, SC