Horry County · South Carolina
Short sales and foreclosure options in Myrtle Beach
Condos, second homes, and primary residences across the city core and beyond. Handled locally from our Myrtle Beach office.
Myrtle Beach homeowners come to us with every version of the same question: the mortgage no longer matches the property, and a deadline is getting closer. Whether the home is a primary residence off Highway 17 Bypass or an oceanfront condo with an HOA assessment problem, the property-side questions are answerable — starting with what the loan payoff is, what the property can realistically sell for, and how much time the calendar allows.
The short answer
- Condominium and resort-style ownership is common here, so HOA dues, special assessments, master-insurance changes, and rental-restriction rules often affect both value and lender review.
- Second homes and investment condos are frequently financed differently than primary residences, which can change what loss-mitigation options a servicer will even discuss.
- Seasonal rental income, short-term-rental rules, and furnished-unit contents all need to be sorted out before a listing or an as-is offer is compared fairly.
- Horry County foreclosure cases are generally filed in the Court of Common Pleas and referred to the Horry County Master in Equity, which also handles the posted sale list. Confirm any case detail or sale date with the court, your attorney, or your servicer.
Neighborhoods and areas we hear from
- Market Common
- Grande Dunes
- Withers Swash / downtown
- Arcadian Shores
- Carolina Forest edge
- Socastee corridor
Most Myrtle Beach calls come from ZIP 29572, 29575, 29577, 29579, 29588, though coverage is not limited to those ZIP codes — anywhere in Horry County and the surrounding Grand Strand works the same way.
What to expect working with us in Myrtle Beach
- Reaching us: the phone is answered 7 days a week, 9:00 AM to 9:00 PM Eastern, at (843) 612-1361. Email works too: palmettoproprescue@gmail.com.
- How the first conversation happens: by phone or email, whichever you prefer. Nothing has to be signed to talk through the facts.
- Travel: we are based at 316A Marietta St, Myrtle Beach, SC 29579, so Myrtle Beach is a short drive and seeing the property in person is straightforward when it helps.
- What to bring: your most recent mortgage statement, the deed, any HOA or community statements, current insurance information, and any legal paperwork you have received.
- What we do not do: give legal, tax, credit, or lending advice, or promise a lender approval, court outcome, or timeline.
Property-side facts to pin down first
Ask early whether the unit or house has deferred maintenance, an open insurance claim, an unpaid assessment, or a rental agreement in place. Each one changes how a lender, a buyer, and a title company look at the sale.
The starting arithmetic is the same everywhere: total payoff and liens on one side, realistic sale value in current condition on the other. If the payoff is larger, a short sale becomes the relevant conversation. If it is not, a traditional or as-is sale may resolve everything at closing.
If a short sale is on the table in Myrtle Beach
For a Myrtle Beach condo, a short-sale package often needs HOA payoff figures and assessment details in addition to the usual mortgage, hardship, and offer documents. Lender approval is still required, and no one can promise it.
See the timeline guide for stage-by-stage expectations and the document and hardship guide for what servicers commonly request.
If foreclosure has already started
If you have already received a summons and complaint on a Myrtle Beach property, the deadline in that paperwork matters more than any general timeline you read online. Get it in front of a South Carolina attorney or a HUD-approved housing counselor right away.
Read the foreclosure hub and the step-by-step process, and be cautious with anyone who contacts you promising a guaranteed result — here are the warning signs.
Myrtle Beach questions
Can I do a short sale on a Myrtle Beach property?
For a Myrtle Beach condo, a short-sale package often needs HOA payoff figures and assessment details in addition to the usual mortgage, hardship, and offer documents. Lender approval is still required, and no one can promise it. A short sale always requires the lender's written approval, and no one can promise that approval in advance.
Which court handles a foreclosure on a Myrtle Beach home?
Horry County foreclosure cases are generally filed in the Court of Common Pleas and referred to the Horry County Master in Equity, which also handles the posted sale list. Confirm any case detail or sale date with the court, your attorney, or your servicer.
What should I gather before calling about a Myrtle Beach property?
Ask early whether the unit or house has deferred maintenance, an open insurance claim, an unpaid assessment, or a rental agreement in place. Each one changes how a lender, a buyer, and a title company look at the sale. A recent mortgage statement, the deed, any HOA or community statements, insurance information, and any legal paperwork you have received are the most useful starting documents.
I already received foreclosure paperwork on my Myrtle Beach property. What now?
If you have already received a summons and complaint on a Myrtle Beach property, the deadline in that paperwork matters more than any general timeline you read online. Get it in front of a South Carolina attorney or a HUD-approved housing counselor right away. Legal documents carry deadlines, so contact a South Carolina attorney or a HUD-approved housing counselor promptly.
Do you charge homeowners in Myrtle Beach for a conversation?
No. Sharing the basics and getting help organizing the property-side facts costs nothing and creates no obligation.
Which ZIP codes around Myrtle Beach do you cover?
Myrtle Beach property questions commonly come from ZIP 29572, 29575, 29577, 29579, 29588. Coverage is not limited to those ZIP codes — Horry County and the surrounding Grand Strand are all workable from our Myrtle Beach office.
Serving Myrtle Beach from Myrtle Beach, SC
Talk through your Myrtle Beach property
Share the basics and we will help organize the payoff, lien, condition, and value picture so your next decision is an informed one. Call (843) 612-1361 7 days a week, 9am-9pm est, or start the assessment.