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Homeowners/Moncks Corner, SC/Reverse Mortgage

Reverse Mortgage Issues in Moncks Corner, SC

Reverse mortgage issues in Moncks Corner, SC require understanding heir timelines, non-recourse protections, and HECM counseling requirements. Find local elder law attorneys and HUD counselors.

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Situation overview

Reverse mortgage issues in Moncks Corner, SC often arise when the borrower dies or enters long-term care. Under SC law (SC Code Title 29, Chapter 4), reverse mortgage applicants must receive independent counseling through the SC Housing Finance Authority. Heirs have 6-12 months to act, and HECM loans are non-recourse.

What to do first

Reverse mortgages become urgent when the borrower dies, moves to long-term care, or falls behind on taxes and insurance. Heirs have 6-12 months to act, and understanding the non-recourse protection prevents overpaying.

Start with

  1. Notify the loan servicer within 30 days of the borrower's death and request extension deadlines in writing.
  2. Get a current appraisal — heirs can pay off the loan at 95% of appraised value if it is less than the balance.
  3. Consult an elder law attorney about Medicaid lookback rules if the borrower is entering a nursing facility.

Avoid

  1. Assume heirs are personally liable for the reverse mortgage balance — HECM loans are non-recourse.
  2. Wait beyond 30 days to contact the servicer — delays can trigger accelerated foreclosure timelines.
  3. Make decisions without understanding the 12-month occupancy rule for borrowers in care facilities.

SC law reference

Key legal facts for reverse mortgage situations in South Carolina.

Foreclosure type
Judicial foreclosure via Court of Common Pleas unless non-judicial power of sale is expressly authorized.

Step-by-step action plan

A starting path you can follow before committing to any contract or agreement.

  1. Contact a HUD-approved HECM counselor to understand your options — required for any reverse mortgage action.
  2. If you are an heir, notify the loan servicer within 30 days and request the full payoff amount.
  3. Consult an elder law attorney before making decisions about the property, especially regarding Medicaid implications.

Who to contact in Moncks Corner

Reverse Mortgage and Probate Attorneys

Williams & Hulst, LLC

Berkeley County native John B. Williams has practiced probate, estate planning, wills, trusts, and trust administration in Moncks Corner since 1974. The firm at 209 E. Main Street handles estate administration, heirs property, guardianship, and conservatorship matters for Berkeley County families.

(843) 761-8232

209 E. Main Street, Moncks Corner, SC 29461

Williams & Hulst probate services

SC Probate Law, LLC (Sabrina Call)

Attorney Sabrina Call is a Berkeley County resident whose Summerville-based firm focuses exclusively on probate administration, estate planning, wills, trusts, and guardianship/conservatorship matters. Prior experience includes an externship at the Charleston County Probate Court. Serves Berkeley, Charleston, and Dorchester counties.

(843) 637-7872

201 Sigma Drive, Suite 300, Summerville, SC 29486

SC Probate Law estate and probate services

Cobb Dill & Hammett, LLC

Multi-office South Carolina law firm with attorneys who have decades of combined experience in probate administration, estate planning, wills, and trust matters. Serves Moncks Corner and Berkeley County residents as part of its Lowcountry and Midlands practice.

Cobb Dill & Hammett probate services

HUD and Foreclosure Counseling

HUD Housing Counselor Search

Find HUD-approved housing counseling agencies serving Moncks Corner and Berkeley County homeowners who are behind on mortgage payments or facing foreclosure.

Find a HUD counselor

SC Housing Homeownership Programs

South Carolina Housing finance agency resources for payment hardship assistance, loan-servicing guidance, and foreclosure prevention support for Berkeley County homeowners.

SC Housing homeowner resources

SC Department of Consumer Affairs — Help for Homeowners

State consumer-protection office providing guidance on mortgage servicing disputes, foreclosure warning signs, HOA complaints, and consumer rights for South Carolina homeowners.

SC homeowner protection guidance

Tax and Income-Shock Support

Berkeley County Treasurer

Official Berkeley County office for real and personal property tax collections, payment posting, and tax bill inquiries for Moncks Corner and Berkeley County property owners.

Berkeley County Treasurer

Berkeley County Delinquent Tax Collector

Felicia Walters, Berkeley County Delinquent Tax Collector, handles delinquent property tax accounts, real-estate tax sales, and payment arrangements at 1003 Highway 52, Moncks Corner.

Berkeley County delinquent tax office

SC Department of Employment and Workforce

Unemployment insurance claims, benefit-status checks, and workforce reemployment support for Berkeley County residents when job loss threatens mortgage affordability.

SC DEW unemployment support

United Way 211

Free referral line for emergency utility assistance, food access, rent support, and short-term financial stabilization resources serving Berkeley County residents.

SC 211 resource directory

Free and Low-Cost Legal Aid

South Carolina Legal Services — Charleston Office

Regional civil legal-aid office serving Berkeley County residents with income-qualifying cases in foreclosure defense, consumer debt, housing, and family law matters.

(843) 720-7044

145 King Street, Suite 310, Charleston, SC 29401

SC Legal Services office locations

South Carolina Legal Services — Statewide Intake

Toll-free intake line for income-qualified South Carolina residents needing civil legal help with housing, consumer debt, foreclosure, and family law issues.

SC Legal Services statewide intake

South Carolina Bar Lawyer Referral Service

State Bar referral service connecting Moncks Corner and Berkeley County homeowners with qualified private attorneys when legal-aid income limits are not met.

SC Bar lawyer referral

Reverse Mortgage Real Estate Agents in Moncks Corner

Chamiese Evans — Licensed Realtor

Specializing in helping Moncks Corner homeowners navigate reverse mortgage situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.

Visit listrobin.com

Common questions

What happens to a reverse mortgage when the borrower dies in Moncks Corner?

Heirs have 6 months (with up to two 90-day extensions) to pay off the loan — by selling the home, refinancing, or paying the balance. Under federal non-recourse rules, heirs never owe more than 95% of the home's appraised value, even if the loan balance is higher.

Can I sell a home with a reverse mortgage in Moncks Corner?

Yes. The reverse mortgage is paid off from the sale proceeds at closing, just like any other mortgage. If the home value exceeds the loan balance, the remaining equity goes to the borrower or heirs.

What if the reverse mortgage borrower moves to a nursing home?

If the borrower is absent from the home for more than 12 consecutive months and no co-borrower lives there, the loan becomes due and payable. Document intent to return and communicate with the servicer to explore deferral options.

Related situations in Moncks Corner

Homeowners dealing with reverse mortgage often face overlapping issues. These resources may also help.

InheritanceProbateMedical Hardship

Reverse Mortgage in other cities

Researched by CC Evans, Marketing Analyst — RobinOffer

Last reviewed: February 2026

This directory is for informational purposes only. It does not constitute legal, financial, or tax advice. Confirm all options with licensed counsel or a qualified financial professional before signing any agreement.

Sources: SC Code of Laws · HUD.gov · CFPB.gov

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