Loquats are popular here in SC Zone 8, and can readily be found in the Charleston Area. I have a friend here in Orangeburg, who has a tree loaded with blooms right now. She also gets 2 crops a year. I have 2 four footers in pots, that need to be planted in the ground, that I was worried about until she showed me hers. They are not fazed by the frequent frost and freezes we have and are very hardy as Cheryl says. I was advised, by my donor, to plant them in a sheltered area--several feet from the house, for example.