Home Loans

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

                                                                          Mortgage Banker: Ingrid Lee

call/text @ 803-665-3765 or Email IngridCLee@gmail.com

           Click Here to Get Pre-Approved Now          

                                          Short on time? Fill out our Short Application for home loan approval 

Types of Loans

• Conventional Loan - Down payment requirements as lows as 5%

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

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

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

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

Certus Bank guarantees the lowest interest rates available. To get pre-approved it is as simple as making a phone call. You will know the same day if you can buy a home and how much money you are approved to spend. Resource Financial Services, a division of Certus Bank is one of only four mortgage companies in the nation to make the Inc. 500 list for 2012.

Get Approved for a Home Loan:

• Simple as a phone call (803) 665-3765
• Find out quickly how much you can spend
• Top notch customer service
• The lowest interest rates guaranteed 
• Contract to close in less than 30 days (quicker if necessary)

Columbia SC Foreclosures