Homeowners/North Myrtle Beach, SC/Reverse Mortgage
Reverse mortgage issues in North Myrtle Beach, SC require understanding heir timelines, non-recourse protections, and HECM counseling requirements. Find local elder law attorneys and HUD counselors.
Reverse mortgage issues in North Myrtle Beach, 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.
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.
Key legal facts for reverse mortgage situations in South Carolina.
A starting path you can follow before committing to any contract or agreement.
Serves as the Area Agency on Aging for Georgetown, Horry, and Williamsburg Counties. Provides Meals on Wheels, home care assistance, transportation, caregiver support, and Medicare/Medicaid counseling for adults 60+.
1230 Highmarket St, Georgetown, SC 29440
Led by veteran estate planning attorney Matthew Hurst, the firm serves North Myrtle Beach, Little River, Conway, and coastal SC. Specializes in wills, trusts, probate administration, and elder law.
207 Chartwell Ct, Myrtle Beach, SC 29588
Attorney Deirdre W. Edmonds has over 30 years of combined legal experience and formerly served as Horry County Probate Judge. She has focused exclusively on estate planning and probate for more than 25 years.
1500 Hwy 17 N, The Courtyard, Suite 213, Surfside Beach, SC 29575
Over 100 years of collective experience among attorneys. Handles probate, estate planning, family law, and personal injury with offices in both Myrtle Beach and Little River for convenient North Myrtle Beach access.
3700 Golf Colony Ln, Little River, SC 29566
North Myrtle Beach-based attorney practicing estate planning, business law, and family law. Graduate of George Mason University School of Law, licensed in South Carolina.
702 Sea Mountain Hwy, No. 4, North Myrtle Beach, SC 29582
Primary HUD counselor lookup portal for North Myrtle Beach homeowners; filter by Horry County or local ZIP code for nearby approved counseling agencies.
Open HUD counselor search portalHUD-certified and SC Housing-approved nonprofit providing foreclosure prevention counseling, reverse mortgage counseling, and homebuyer education for coastal SC homeowners.
OriginSC housing counselingState housing agency page with loan-counselor contacts, loss-mitigation guidance, and escalation paths for borrowers behind on mortgage payments.
South Carolina Housing foreclosure resourcesCounty tax-payment and collections office for property-tax balances, delinquency questions, and payment processing. Installment payment plans available for real property taxes.
1301 2nd Ave, Suite 1C09, Conway, SC 29526
County appraisal and listing office for valuation, legal-residence review, and assessment questions tied to Horry County real property. Quadrennial reassessments (most recent: 2024).
1301 2nd Ave, Conway, SC 29526
Regional legal-aid office serving Horry, Georgetown, Marion, and Williamsburg Counties with free civil legal help including housing, foreclosure prevention, consumer debt, and family-law intake for eligible households.
1201-B Creel St, Wing A-1, Conway, SC 29526
Statewide intake portal and hotline for civil legal screening, case prioritization, and referral to the appropriate local legal-services office.
Start SCLS intakeReferral option for residents who need private-counsel consultation when legal-aid eligibility is not met or specialized representation is required.
SC Bar lawyer referralSpecializing in helping North Myrtle Beach homeowners navigate reverse mortgage situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.
Visit listrobin.comHeirs 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.
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.
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.
Homeowners dealing with reverse mortgage often face overlapping issues. These resources may also help.
Charlotte, NC
View resourcesClover, SC
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View resourcesFort Mill, SC
View resourcesResearched 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
Share your North Myrtle Beach situation and get clear guidance on reverse mortgage options — whether you are the borrower or an heir.