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

32 Clay Court, Chapin $385,000

6 bedroom, 4 1/2 bath brick home on cul-de-sac. Great room and living rooms with fireplaces. Formal dining room. Kitchen with island and breakfast area with bay window. M...

6 Beds
5 Baths

Courtesy of Re/Max Advantage Group

Listing courtesy of Re/Max Advantage Group.

1378 Rock Island Road, Gilbert $359,000 ▼

Incredible open water views from this 3 bedroom, 3 bath home! Located on 0.86 acres with dock in place. Great room and master with gorgeous lake views, large deck for ent...

3 Beds
3 Baths

Courtesy of Southern Visions Realty Inc

Listing courtesy of Southern Visions Realty Inc.

116 Clark Ridge Road, Columbia $349,900

Newly renovated 7 bedroom, 5.5 bath home on large 0.48 acre lot in Spring Valley. This expansive home features a formal LR, DR, family room, and eat-in kitchen with new S...

7 Beds
6 Baths

Courtesy of Coldwell Banker Residential Brokerage

Listing courtesy of Coldwell Banker Residential Brokerage.

100 Julia Court, Lexington $330,000 ▼

This beautifully custom-built, Craftsman style house is the perfect place to call Home! This 5 bedroom, 3 full bath has everything on your wish list. Gorgeous archways, h...

5 Beds
3 Baths

Courtesy of Century 21 Vanguard

Listing courtesy of Century 21 Vanguard.

426 Hunting Creek Road, Hopkins $279,900

Brick traditional home on 2.00 aces features 7 Bedroom, 3.5 Bath, Formal Living & Dining, Den with fireplace, large Eat-In-Kitchen. Only 15 minutes from downtown Columbia...

7 Beds
4 Baths

Courtesy of Centre Realty, Llc

Listing courtesy of Centre Realty, Llc.

900 S Stadium Drive Unit S704, Columbia image

900 S Stadium Drive Unit S704, Columbia $269,900

Step into class and then step out on the balcony over-looking the city side and Carolina Walk Park! Incredible 7th floor, 3 bedroom, 2 bath condo just steps to Williams B...

3 Beds
2 Baths

Courtesy of Brave Realty Llc

Listing courtesy of Brave Realty Llc.

173 Berkeley Ridge Drive, Columbia image

173 Berkeley Ridge Drive, Columbia $229,900 ▼

Beautiful two story home fully refurbished. New carpet, new paint, move in ready. Open floor plan. Kitchen has island, pantry, eat in area and hard wood fls. Formal dinin...

4 Beds
3 Baths

Courtesy of Century 21 Vanguard

Listing courtesy of Century 21 Vanguard.

312 Post Oak Way, Columbia $224,900

Top drawer-Blue Ribbon all brick home for under $225,000! Everything updated...interior paints, carpet, appliances, garage door openers, etc. Details you will love incl...

3 Beds
3 Baths

Courtesy of Fathom Realty Sc Llc

Listing courtesy of Fathom Realty Sc Llc.

166 Caedmons Creek Drive, Irmo $205,000 ▼

Short sale is a good opportunity to purchase this lovely home in Caedmons Creek subdivision. Open floor plan, Great room with fireplace. Eat-in kitchen with access to l...

3 Beds
2 Baths

Courtesy of The Elliott Company Realty

Listing courtesy of The Elliott Company Realty.

1085 Shop Road Unit 326, Columbia $204,900

Brand new carpet! SOLD STRICTLY AS-IS CONDITION. Addendums apply; seller's attorney to hold earnest money.

2 Beds
2 Baths

Courtesy of Era Wilder Realty

Listing courtesy of Era Wilder Realty.

6405 Saye Cut Road, Columbia $183,000

This cute-as-a button home in Hampton Woods features 3 bedrooms, 2 1/2 baths, formal dining room, large den with fireplace, screened-in back porch, and fenced-in backyard...

3 Beds
3 Baths

Courtesy of Keller Williams Columbia

Listing courtesy of Keller Williams Columbia.

160 Whitwood Circle, Columbia $175,000 ▼

Large home with 5 bedrooms, 4 baths located in Harbison Community. Close to shopping mall, restaurants, Harbison State Forest.

5 Beds
4 Baths

Courtesy of Century 21 Vanguard

Listing courtesy of Century 21 Vanguard.

218 Walnut Grove Circle, Irmo $169,900

Priced for quick sale and AS IS. Great family home on quiet street. Back yard with LARGE deck with covered area for grilling and entertaining. Large bonus room above gar...

4 Beds
2 Baths

Courtesy of W Realty

Listing courtesy of W Realty.

364 Summit Hills Circle, Columbia $168,000

3 bedroom 2 bathroom house. 1842 square feet. Summit Hills subdivision and Richland two school district. is US Dept of HUD owned, Case #461-542461, Insurable With Repair...

3 Beds
2 Baths

Courtesy of Coldwell Banker Residential Brokerage

Listing courtesy of Coldwell Banker Residential Brokerage.

104 Rosebank Drive, Columbia $162,000

Brick ranch with lots of space. One car attached garage. Formal living room with fireplace, formal dining room. Large kitchen with eat in area, lots of cupboard space....

2 Beds
2 Baths

Courtesy of Century 21 Vanguard

Listing courtesy of Century 21 Vanguard.

1509 Busbee Road, Gaston $151,700 ▼

3 LOTS COMBINED. Includes 009000-05-002, 009000-05-064, 009000-05-084. See new survey. Includes house, shops, buildings & detached garages

3 Beds
2 Baths

Courtesy of Nexthome Specialists

Listing courtesy of Nexthome Specialists.

106 Brent Ford Circle, Columbia $144,900 ▼

FREDDIE MAC property !!! This property is eligible under the First Look initiative through 5/5/19. The property is sold in AS IS condition. Roof leak around chimney was r...

4 Beds
3 Baths

Courtesy of House Hunter Realty The Palmetto Group

Listing courtesy of House Hunter Realty The Palmetto Group.

349 Whiteford Way, Lexington $144,900 ▼

Two story traditional style home located in Whiteford Subdivision. Four bedroom, three bathroom, big bonus room. Kitchen has eat in area, ample cupboard space. Master...

4 Beds
3 Baths

Courtesy of Century 21 Vanguard

Listing courtesy of Century 21 Vanguard.

409 Denman Loop, Columbia $139,000

Great home in Lake Carolina! This 3 bedroom 2 ½ bath home built by Great Southern Homes features an Open Floor Plan with hardwood flooring throughout the main level, spac...

3 Beds
3 Baths

Courtesy of Coldwell Banker Residential Brokerage

Listing courtesy of Coldwell Banker Residential Brokerage.

2804 Wales Road Unit Lot 5, Columbia image

2804 Wales Road Unit Lot 5, Columbia $139,000

This home sells "As Is Where Is". With some TLC, the new owner can easily make this place shine.

3 Beds
2 Baths

Courtesy of Coldwell Banker Residential Brokerage

Listing courtesy of Coldwell Banker Residential Brokerage.

646 Sequoia Drive, Lexington $137,000

This Ryan Home built in 2017 features 3 bedrooms, 2 1/2 bathrooms, and an attached garage. Zoned for Lexington One schools. Property is owned by the US Dept. of HUD, Ca...

3 Beds
3 Baths

Courtesy of Keller Williams Columbia

Listing courtesy of Keller Williams Columbia.

9807 Windsor Lake Boulevard, Columbia image

9807 Windsor Lake Boulevard, Columbia $129,900

4 bedroom, 3 bath, 2 story brick/vinyl home. Den with fireplace. Living room. dining room. Eat-in kitchen. Hardwoods throughout most of home!

4 Beds
3 Baths

Courtesy of Re/Max Advantage Group

Listing courtesy of Re/Max Advantage Group.

132 Spartan Drive, Columbia $127,900

Kitchen remodeled, beautiful granite- 3 bedroom, sun-room and deck for relaxing. Lots of storage too!

3 Beds
2 Baths

Courtesy of Era Wilder Realty

Listing courtesy of Era Wilder Realty.

3304 Cannon Street, Columbia $124,900

Charming 2 bedroom, 1 bath ranch home near USC campus, Williams Brice stadium and the State Fair ground. NEW ROOF! This charming home features hardwood floors, a formal D...

2 Beds
1 Baths

Courtesy of Coldwell Banker Residential Brokerage

Listing courtesy of Coldwell Banker Residential Brokerage.

812 White Fawn Drive, Hopkins $122,000

Great 3BDR, 2BA home located in a cul-de-sac. This property has an open floor plan with plenty of space to entertain. Large family room w/gas log fireplace, spacious mast...

3 Beds
2 Baths

Courtesy of S&M Realty Of South Carolina

Listing courtesy of S&M Realty Of South Carolina.

Columbia SC Mortgages

Get Pre-Qualified for a Columbia SC Mortgage:

Mortgages: Types of Home Loans

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

Address Search

Columbia SC County Property Tax:

The Columbia SC Market

Downtown Columbia SC

Blythewood Neighborhoods

Lake Murray Communities

Lexington Neighborhoods