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:
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Informs the buyer of whether or not they qualify for a home loan
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Educates the buyer about potential problems with credit or income
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Identifies the target price range of homes to view
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Informs the buyer of their approx. house payment
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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
Property was previously listed for $1,500,000 and has since been foreclosed and is now priced to sale quickly. Located in "The Vista" Columbia's upscale, downtown enterta...
Listing courtesy of Re/Max Purpose Driven Llc.
Stunning five bedroom, four and half bathroom home fully remodeled. Inground gunite pool with new tiles and hard cover. New appliances, new granite counter tops in kitc...
- 5 Beds
- 5 Baths
Listing courtesy of Century 21 Vanguard.
78.19 +/- acres in Leesville. Pond on back of property! Beautiful property for recreation, development or private homesite! Owner financing available!
Listing courtesy of Southern Visions Realty Inc.
Newly updated 5 BR, 3.5 bath home in Laurel Falls. The expansive main level features a formal LR with bay window, a formal dining room with coffered ceiling, a great room...
- 5 Beds
- 4 Baths
Listing courtesy of Coldwell Banker Residential Brokerage.
Calling all DEVELOPERS!! 101.4 acres of land perfect for development already zoned RU! This property represents 3 separate parcels being sold together, and consists of 2 ...
Listing courtesy of Keller Williams Columbia.
Location is everything when it comes to this all brick home located in downtown Columbia 1 Block over from Finlay park. Quaint culdesac neighed. This executive style home...
- 4 Beds
- 3 Baths
Listing courtesy of Exclusive Realty Llc.
46.8 acres with a pond located in Leesville! Beautiful property for recreation, development or private homesite! Owner financing available!
Listing courtesy of Southern Visions Realty Inc.
Brick ranch located in Trenholm Hills. Lovely 3 bedroom , 2.5 bath, kitchen, dining room, living room and family room. Several rooms have hardwood flooring under carpet....
- 3 Beds
- 3 Baths
Listing courtesy of Century 21 Vanguard.
DIAMOND IN THE ROUGH! Very good location...several blocks from downtown Columbia. Zoned C-1. Property has lots of potential. Sold strictly As Is.
- 2 Baths
Listing courtesy of Re/Max Home Team Realty Llc.
What a lovely little gem, close to the city. This home has all the charm of the swing'n 20's but with cotemporary flare! Hardwoods are gleaming as you open the door, step...
- 3 Beds
- 2 Baths
Listing courtesy of Century 21 Vanguard.
18.25 acres located in Leesville! Beautiful property for recreation, development or private homesite! Owner financing available!
Listing courtesy of Southern Visions Realty Inc.
This home needs some TLC but it has some nice features like the hardwood floors, tiled baths, masonry fireplace, eat-in kitchen, and large level lot iwth fenced in backya...
- 3 Beds
- 2 Baths
Listing courtesy of Coldwell Banker Residential Brokerage.
17 acres located in Leesville! Beautiful property for recreation, development or private homesite! Owner financing available!
Listing courtesy of Southern Visions Realty Inc.
Make this your new home. Zoned for Keenan High. All brick 3 bedroom with enclosed 1 car garage for additional room. Hardwood floors through out 1/2 bath could be gutted a...
- 3 Beds
- 2 Baths
Listing courtesy of Centre Realty, Llc.
Beautifully and freshly renovated 3 bedroom and 1 bathroom home located in the growing Northeast side of Columbia. Features hardwood floors throughout the majority of the...
- 3 Beds
- 1 Baths
Listing courtesy of The Brokerage House.
Great Bones for this 3 bedroom, 2 Bath home. Open floor plan with centrally located kitchen. Porches on front and back of home, with plenty of character. Man made pond ...
- 3 Beds
- 2 Baths
Listing courtesy of S&M Realty Of South Carolina.
This brick ranch home in Mandel Hall features 3 bedrooms and 2 bathrooms. Property is owned by the US Dept. of HUD, Case #461-305789. Insurability Code UI (Uninsurable), ...
- 3 Beds
- 2 Baths
Listing courtesy of Keller Williams Palmetto.
3 BR, 1.5 BR brick ranch home in Glenn Village subdivision. This home features a formal LR with Pergo flooring and a large eat-in kitchen. The owner's suite features a ha...
- 3 Beds
- 2 Baths
Listing courtesy of Coldwell Banker Residential Brokerage.
Two bedroom, one bath bank foreclosure being sold AS IS. Partially fenced in back yard with small shed, large detached garage. Will need to be updated.
- 2 Beds
- 1 Baths
Listing courtesy of Signature Homes And Land.
The perfect location for your business! Located near the historic College View and Seminary Ridge neighborhoods of Columbia, this lot offers more than half an acre of lan...
Listing courtesy of Keller Williams Columbia.
