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Columbia SC Mortgages

Columbia SC Mortgages 

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. 

Get Pre-Qualified for a Columbia SC Mortgage: 

  • 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
  • Call for more information 

 

Mortgages: Types of Home Loans

Conventional Loan - Down payment requirements as lows as 5%. Mortgage insurance until 80% loan to value.

VA Loan - 100% financing for United States Veterans. No mortgage insurance.

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. Mortgage insurance runs the term of the loan.                                            

Getting approved for a loan is as simple as making a phone call (803) 238 - 8612. You will know the same day if you can buy a home and how much money you are approved to spend.  

 

Columbia SC Foreclosures

1067 Woodley Way, Columbia image
1067 Woodley Way, Columbia $1,200,000

The current business -- BB Barns has a 10 year lease agreement Triple Net (NNN) paying $8,000 per month. At the listing price that is an 8% cap rate. The property is loca...

Courtesy of Exp Realty Llc

Listing courtesy of Exp Realty Llc.

105 Thrush Street, Hopkins image
105 Thrush Street, Hopkins $750,000 ▲

Lot 6- Lot Rent Only- $250, Lot 7 -212- $550, Lot 8 -311- $650, Lot 11 - Lot Rent Only- $250, Lot 12- 212- $500, Lot 13 - 312- $650, Lot 14 - 211- $475, Lot 15- $650 Call...

  • 10 Baths
Courtesy of Re/Max Advantage Group

Listing courtesy of Re/Max Advantage Group.

243 Shell Mound Court, West Columbia image
243 Shell Mound Court, West Columbia $360,000

Energy Efficient, move-in ready home. 4BR, 3.5BA, 2,983 Sq. ft. located in West Columbia awaits you. Built in 2019, this home is located in the Cumberland Place subdivisi...

  • 4 Beds
  • 4 Baths
Courtesy of Sincere Home Solutions Llc

Listing courtesy of Sincere Home Solutions Llc.

219 Denbeck Road, Irmo image
219 Denbeck Road, Irmo $300,000

Newly updated 3 BR, 2 bath brick ranch home with in-group pool in Old Friarsgate in Irmo. This move-in ready home features a formal LR with LVP flooring and a fireplace. ...

  • 3 Beds
  • 2 Baths
Courtesy of Coldwell Banker Realty

Listing courtesy of Coldwell Banker Realty.

4647 Oakwood Drive, Columbia image
4647 Oakwood Drive, Columbia $285,500 ▼

A mid-century gem! This unique home has been fully renovated. The great room is just to the left of entry and boast high ceiling, many windows with wonderful natural ligh...

  • 4 Beds
  • 2 Baths
Courtesy of Century 21 Vanguard

Listing courtesy of Century 21 Vanguard.

1605 St Michaels Road, Columbia image
1605 St Michaels Road, Columbia $224,900 ▲

Brick ranch with fenced in back yard, patio area for entertaining. Eat in kitchen with lvp flooring, Formal dining room with lvp, living room / lvp, family room with lvp...

  • 4 Beds
  • 3 Baths
Courtesy of Century 21 Vanguard

Listing courtesy of Century 21 Vanguard.

1085 Shop Rd Unit 341, Columbia image
1085 Shop Rd Unit 341, Columbia $219,900

Gated upscale condo in downtown with 2 assigned gated parking spaces, onsite security, pool, gym, dog walk and more! Limited availability Third Floor Unit. Convenient to...

  • 2 Beds
  • 2 Baths
Courtesy of Era Wilder Realty

Listing courtesy of Era Wilder Realty.

2304 Windsor Drive, Cayce image
2304 Windsor Drive, Cayce $218,000

Being Offered by hudhomestore.gov Bidding Open to all buyers at this time. Great Floor Plan for Growing Family with extra Bath and Finished room in Walkout Basement. 0....

  • 3 Beds
  • 4 Baths
Courtesy of Coldwell Banker Realty

Listing courtesy of Coldwell Banker Realty.

2004 Omega Drive, Columbia image
2004 Omega Drive, Columbia $185,000 ▼

All brick home located on a corner lot just minutes from interstates, Fort Jackson and downtown. New paint, HVAC, granite counters, etc. Nice sized living room and den pe...

  • 3 Beds
  • 2 Baths
Courtesy of Keller Williams Palmetto

Listing courtesy of Keller Williams Palmetto.

2 Forest Trail Court, Columbia image
2 Forest Trail Court, Columbia $179,900

Welcome Home! This wonderful little gem is full of updates with new: Stainless steel appliances, granite countertops, paint, LVP flooring, toilets, exterior paint, privac...

  • 3 Beds
  • 2 Baths
Courtesy of Century 21 Vanguard

Listing courtesy of Century 21 Vanguard.

3912 West Avenue, Columbia image
3912 West Avenue, Columbia $172,900 ▼

Quaint brick home nestled up against mature trees. Enjoy a cup of tea, listening to the birds sing, while sitting on your side patio. This home offers a bonus room: Perfe...

  • 3 Beds
  • 2 Baths
Courtesy of Century 21 Vanguard

Listing courtesy of Century 21 Vanguard.

9339 Windsor Lake Boulevard, Columbia image
9339 Windsor Lake Boulevard, Columbia $162,900 ▼

What a unique property...definitely a MUST see. Lots of space and lots of ways to make it yours! Built in early 1900's with lots of privacy on this approximately 1.5 acre...

  • 7 Beds
  • 3 Baths
Courtesy of Re/Max Advantage Group

Listing courtesy of Re/Max Advantage Group.

100 Torbay Road, Columbia image
100 Torbay Road, Columbia $133,000 ▼

Great investment property! Home needs your tlc. Schedule a showing with your agent today!

  • 3 Beds
  • 2 Baths
Courtesy of Century 21 Vanguard

Listing courtesy of Century 21 Vanguard.

301 Great North Road, Columbia image
301 Great North Road, Columbia $107,500

Two story home with a shaded backyard located in the heart of the Northeast. Spacious living room with wood burning fp and tons of natural light. Kitchen with granite cou...

  • 4 Beds
  • 3 Baths
Courtesy of Keller Williams Palmetto

Listing courtesy of Keller Williams Palmetto.

133 Naomi Drive, Gilbert image
133 Naomi Drive, Gilbert $85,500 ▼

Single Family Brick home, two bedrooms, 1 bath, on half acre in need of TLC. Call your agent for a showing!

  • 2 Beds
  • 1 Baths
Courtesy of Century 21 Vanguard

Listing courtesy of Century 21 Vanguard.

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