Columbia SC Real Estate

 

 Columbia SC Home Loans

 Contact: Ingrid C Lee
    Ph # 803-665-3765

 IngridCLee@gmail.com

Click Here to Get Pre-Approved Now

 

Columbia SC Home Loan

Obtaining Financing and getting pre-approved is the most important part of buying Columbia SC real estate. Whether buying a single family home, condo or an investment property, it is crucial to get pre-approved. Obtaining financing is the first step in buying real estate. The two main factors lenders use to determine whether to loan you money are your ability and your willingness to repay the loan. The ability is measured by your income and assets while your willingness is measured by your credit history.  

Pre-approval:  

  • Informs the buyer of whether or not they qualify for a home loan

  • Educates the buyer about potential problems with credit or income

  • Identifies the target price range of homes to view

  • Informs the buyer of their approx. house payment

  • Educates a first time home buyer

  • Many sellers require a pre-approval letter when considering an offer to purchase


 

Types of Loans 

  • FHA Loan - 3.5% down payment required. Insured by the federal government.

  • Conventional Loan - any loan that is not backed by the federal government. These loans typically require a larger down payment.

  • VA Loan - 100% financing for United States Veterans.

  • USDA Loan - 100% financing for rural areas. Check income guidelines and property eligibility.

  • Commercial Loan - loan for commercial real estate. Typically requires 20% down payment

  • FHA Condo loans - Columbia SC Condo financing can be tricky. Be sure to inquire as to available loan types when talking with your Realtor.             

Columbia SC Foreclosures

$1,450,000

Langford Road , Blythewood

155 Lot Subdivision with first phase of 60 lots ready. Excellent location.

  • Beds
  • Baths
  • Courtesy of Southern Visions Realty Inc

property photo

$599,000 Decreased $10,000
1320300107

60 Rocky Cove Road , Lexington

Low-country, cottage-styled LAKE home recently renovated. The open floor plan captures lake views from almost every rm in the home. Lg kitchen w/keeping rm or den area, ...

  • Beds 4
  • Baths 3.0
  • Courtesy of Keller Williams Columbia

property photo

$550,000 Decreased $50,000
1316242480

2150 Shull Avenue , Gilbert

One of the most impressive lots on Lake Murray! An outer most Peninsula lot with approx 727 ft of water frontage. 2 docks (one which has a boat lift), boat ramp, gated ...

  • Beds 3
  • Baths 2.0
  • Courtesy of Southern Visions Realty Inc

property photo

$550,000 Decreased $50,000
1316242473

2152 Shull Avenue , Gilbert

Water, Water Everywhere!Over one thousand feet of water frontage, 2 Docks, .667 acres to build your Dream Home! This is one of the most impressive lots on Lake Murray! ...

  • Beds
  • Baths
  • Courtesy of Southern Visions Realty Inc

$529,000

403 King Street , Columbia

Great shandon home great location 4 bedrooms and 4 full baths, formal lr, formal dr large eat in kitchen over looking the great room. Nice covered porches front and rear....

  • Beds 4
  • Baths 4.0
  • Courtesy of Coldwell Banker United

property photo

$465,000 Decreased $10,000
1316156017

209 Wren Creek Circle , Blythewood

Low country styling in this former Parade of Homes show stopper. Great family friendly open split floorplan. Chef's kitchen w/ss Jennair gas cooktop, fridge, large island...

  • Beds 5
  • Baths 5.5
  • Courtesy of Russell & Jeffcoat

property photo

$459,900 Decreased $10,000
1327219307

305 Brunner Circle , Blythewood

Rare Opportunity in Settlement Point section of Cobblestone! Priced to move quickly this exceptional home boast exquisite finish detail, the kitchen is a Chef's delight ...

  • Beds 4
  • Baths 4.5
  • Courtesy of Russell & Jeffcoat

$400,000

171 Wilmont Drive , Lexington

15 fully developed lots in Wilmont Subdivision. Property to be sold as-is, where-is, with no warranties written expressed or implied.

  • Beds
  • Baths
  • Courtesy of Southern Visions Realty Inc

property photo

$399,000

O Fish Hatchery Road , Lexington

Great commercial or residential subdivision, over 770 feet of road frontage, with additional road frontage on cemetery circle. Located with in one mile of new sce&g, farm...

  • Beds
  • Baths
  • Courtesy of Hilton Hawk & Company LLC

property photo

$375,000

125 Wren Ridge Drive , Blythewood

Sold As-Is. Almost finished new construction. Needs landscaping, finsh the hardwoods, carpet, light fixtures, condensors and air handler. Builder's estimate to complete i...

  • Beds 4
  • Baths 4.5
  • Courtesy of RE/MAX Real Estate Consultants

property photo

$364,900

321 Old Course Loop , Blythewood

Best New home buy in Windermere! Home just finished and is ready to go. Too many upper end features to list. Home site backs up to a private park area so no neighbors di...

  • Beds 5
  • Baths 3.5
  • Courtesy of Centre Realty, LLC

property photo

$360,000 Decreased $25,000
1324540876

83 Roundtree Road , Blythewood

This home has it all! Nice private lot, 3 car garage, 5 bedrooms, 4 baths, formal dining room, terrific kitchen, finished bonus room, community has pool, close to new hig...

  • Beds 5
  • Baths 3.5
  • Courtesy of Coldwell Banker United

property photo

$350,000 Decreased $35,000
1326009717

3004 Forest Drive , Columbia

Do not let this pass you by!-Drastic reduction on this Landmark property-home is listed on national historic register-contemporary 2 story home-One of two of the most uni...

  • Beds 3
  • Baths 2.5
  • Courtesy of CMM Realty, Inc.

property photo

$349,900 Decreased $10,000
1325923325

503 Hiller Road , Chapin

LAKE MURRAY - Great Location between Hilton and Chapin. Easy access to I-26, Chapin, Harbison and Downtown Columbia. Great Views of Peaceful Owl Cove. Boat Ramp, Dock and...

  • Beds 5
  • Baths 5.5
  • Courtesy of Coldwell Banker United 04

property photo

$335,000

117 Indigo Chase None , Columbia

Rare bank-owned all brick 4-bedroom home in Woodlake Subdivision. Great view of lake. Master bedroom has separate sitting area. Hardwood floors on most of main level. La...

  • Beds 4
  • Baths 3.5
  • Courtesy of EXIT Real Estate Solutions

property photo

$334,500

8 Gillon Lane , Elgin

A little bit of Charleston right here in Columbia in The Village at Woodcreek Farms. This quality homes features: Double front porches, high ceilings, all hardwoods thru ...

  • Beds 3
  • Baths 3.5
  • Courtesy of Russell & Jeffcoat

property photo

$329,900

121 Lupine Court , Lexington

Bank-owned 5 bedroom 4 full baths with granite countertops, stainless steel appliances, beautiful hardwood floors. Master on main with 2nd bedroom down as well. FROG wit...

  • Beds 5
  • Baths 5.0
  • Courtesy of Southern Visions Realty Inc

property photo

$329,500

10 Gillon Lane , Elgin

A little bit of Charleston right here in Columbia in The Village at Woodcreek Farms. This quality home features: Double front porches, high smooth ceilings, all hardwoods...

  • Beds 3
  • Baths 3.5
  • Courtesy of Russell & Jeffcoat

property photo

$320,000

373 Highland Pointe Drive , Columbia

This great home has so many extras, 5 bedrooms, master is on the mail level. If you love to cook, this is the kitchen for you. Full finished basement. Lake Carolina neigh...

  • Beds 5
  • Baths 3.5
  • Courtesy of Coldwell Banker United

property photo

$310,500

100 Trillium Court , Lexington

Attractive home to be completed in approximately 30 days; (can choose carpet color, if not installed) wrap porch, two sided fireplace, hardwood floors, open plan w/abunda...

  • Beds 4
  • Baths 2.5
  • Courtesy of EXIT Real Est Consultants

$308,900 Decreased $61,100
1314425739

217 Wren Creek Circle , Blythewood

This home has formal living & dining rooms, great home with master down, Great price for this neighborhood! Close to interstate access and schools. Do not miss out on thi...

  • Beds 4
  • Baths 3.5
  • Courtesy of Coldwell Banker United

property photo

$297,500 Decreased $17,400
1327651329

332 Amstar Road , Columbia

Spacious 3592 square foot home with 5 bedroom 3.5 bath on .69 acres of land in the Sheffield subdivision. Lexington/Richland 1 school district. Square footage from tax re...

  • Beds 5
  • Baths 3.5
  • Courtesy of Covenant Properties, Inc.

property photo

$286,000

207 Spoonbill Court , Chapin

Bank Owned. Lake Access Neighborhood. Great Floor plan. Formal Dinging Room, Granite in Kitchen, Breakfast Area, Hardwood Floors, Built ins and Fireplace. Master Suite on...

  • Beds 4
  • Baths 2.5
  • Courtesy of ERA Wilder Realty

property photo

$280,000

129 Night Harbor Drive , Chapin

Beautiful 4 bedroom home home located in Night Harbor. Offers many upgrades such as hardwood and tile flooring, soaring ceilings in Great Room, trey ceilings in the Maste...

  • Beds 4
  • Baths 3.0
  • Courtesy of Russell & Jeffcoat

property photo

$269,900

304 Mallet Hill Road , Columbia

Located in the heart of wildewood, with hardwood floors and neutral carpet in living areas, Formal living room and dining room. Master downstairs by family room w/ firepl...

  • Beds 3
  • Baths 4.5
  • Courtesy of Keller Williams Columbia