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

108 Coopers Nursery Road, Elgin $695,000 ▼

Come home to the Redbay area of Woodcreek Farms! Huge traditional home with tons of bells and whistles. Inside features a master suite w/his & her closets, his & her vani...

5 Beds
7 Baths

Courtesy of Home & Land Pros Llc

Listing courtesy of Home & Land Pros Llc.

439 N Lee Street, Leesville $430,000

78.19 +/- acres in Leesville. Pond on back of property! Beautiful property for recreation, development or private homesite! Owner financing available!

Courtesy of Southern Visions Realty Inc

Listing courtesy of Southern Visions Realty Inc.

357 Garvey Circle, Columbia $399,000

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 ...

Courtesy of Keller Williams Columbia

Listing courtesy of Keller Williams Columbia.

112 Silver Lake Road, Columbia $379,500 ▼

Great Price on Lakefront Home in the Wildewood/Silver Lake Subdivision=Enjoy the outdoors with large deck and pool. Hardwood floors in all living rooms downstairs and sta...

4 Beds
4 Baths

Courtesy of Era Wilder Realty

Listing courtesy of Era Wilder Realty.

1525 Wonder Drive, Chapin $355,000

What a find! Come look at this one. Brick ranch on Lake Murray with nice view. Private dock. Living room with fireplace, built in book case, tile floor, french doors ...

2 Beds
2 Baths

Courtesy of Century 21 Vanguard

Listing courtesy of Century 21 Vanguard.

847 Rickenbaker Road, Columbia $304,000

Picturesque setting. Great potential in this Ranch style home. This 4-BDRM, 2-BA home great potential. Kitchen has tons of storage options, and semi-open to family room...

4 Beds
2 Baths

Courtesy of S&M Realty Of South Carolina

Listing courtesy of S&M Realty Of South Carolina.

411 Bryan Street, Leesville $249,900 ▼

Lovely 3 bedroom, 2 bath home on 1 acre!! Open great room with hardwood floors and fireplace. Spacious kitchen has oversize bar with plenty of room for barstools, tile co...

3 Beds
2 Baths

Courtesy of Southern Visions Realty Inc

Listing courtesy of Southern Visions Realty Inc.

317 Afton Lane, Columbia $189,900

Newly updated 3 BR 2.5 Bath home in Lake Carolina - The Meadows. This home has two new HVAC systems, new granite countertops in the kitchen and master bath, new range, di...

3 Beds
3 Baths

Courtesy of Coldwell Banker Residential Brokerage

Listing courtesy of Coldwell Banker Residential Brokerage.

213 Shamley Green Drive, Columbia $170,000

Two story home located in Winchester. Three bedroom and two and half baths. Formal living room with hardwood floors. Family room with fireplace. Kitchen has formica co...

3 Beds
3 Baths

Courtesy of Century 21 Vanguard

Listing courtesy of Century 21 Vanguard.

1600 Luster Lane, Columbia $154,900 ▼

3 bedroom, 3 bath home with formal dining room. Living room with fireplace. Fenced backyard. In-ground pool.

3 Beds
3 Baths

Courtesy of Re/Max Advantage Group

Listing courtesy of Re/Max Advantage Group.

2507 Gervais Street, Columbia $130,000

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

Courtesy of Re/Max Home Team Realty Llc

Listing courtesy of Re/Max Home Team Realty Llc.

4301 Pine Forest Drive, Columbia $109,150

Massive size home with lots of potential with extensive square footage!!! Rooms Galore!!! A Kitchen that a chef would fall in love with as well as the office space and su...

7 Beds
5 Baths

Courtesy of Vylla Home, Inc.

Listing courtesy of Vylla Home, Inc..

324 Oakbrook Village Road, Columbia image

324 Oakbrook Village Road, Columbia $109,000 ▼

Oakbrook Village Subdivision this single family home in need of some TLC. This home features a mother in law suite downstairs with separate bath and bedroom area. Laundry...

4 Beds
2 Baths

Courtesy of Personal Touch Realty

Listing courtesy of Personal Touch Realty.

9441 S Chelsea Road, Columbia $107,000 ▼

3 bedroom, 2 bath, brick home on almost half acre lot. Hardwood floors throughout most of the home. Living room with fireplace. Great room. Eat-in kitchen. 2 car attached...

3 Beds
2 Baths

Courtesy of Re/Max Advantage Group

Listing courtesy of Re/Max Advantage Group.

233 Swandale Drive, Columbia $100,000

Come see this spacious home in the Meadowlake Subdivision! This home features a Formal Living, Dining Room with hardwood flooring, Family Room with a wood burning Firepla...

3 Beds
2 Baths

Courtesy of Coldwell Banker Residential Brokerage

Listing courtesy of Coldwell Banker Residential Brokerage.

47 Cavalier Court, Columbia $83,600

Sweet three bedroom one bath home in Rosewood that needs a little TLC. Harwood flooring throughout, large eat-in kitchen, spacious living room, mud room and a nice backya...

3 Beds
1 Baths

Courtesy of Real Estate Partners Llc

Listing courtesy of Real Estate Partners Llc.

641 Brooks Avenue, West Columbia $75,700 ▼

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

Courtesy of Signature Homes And Land

Listing courtesy of Signature Homes And Land.

3726 Maybank Street, Columbia $74,900

Single Story all brick home. 3 bedroom ,1.5 bath. Hardwood floors through-out.

3 Beds
2 Baths

Courtesy of Re/Max Advantage Group

Listing courtesy of Re/Max Advantage Group.

1535 Old Barnwell Road, Lexington $64,900 ▼

* BEAT OUT OTHER BUYERS BY ACTING NOW!! * This one is truly a diamond in the rough. The first real bargain hunter will snatch this one up quickly. Home is located in Lex ...

3 Beds
1 Baths

Courtesy of Keller Williams Columbia

Listing courtesy of Keller Williams Columbia.

1214 Carter Street, Columbia $62,100 ▼

This brick ranch features 3 bedrooms, 1.5 bathrooms, eat-in kitchen, and a good sized den. Property is owned by the US Dept. of HUD, Case #461-694852. Insurability Code ...

3 Beds
2 Baths

Courtesy of Keller Williams Palmetto

Listing courtesy of Keller Williams Palmetto.

225 Auburnleaf Drive, Hopkins $44,500

3 Bedroom 1.5 bath ranch home in Green Lake Estates. This home features a formal living room with a vaulted ceiling, dining area, galley kitchen and 3 bedrooms. This home...

3 Beds
2 Baths

Courtesy of Coldwell Banker Residential Brokerage

Listing courtesy of Coldwell Banker Residential Brokerage.

7 Enlow Court, Columbia $39,900

Fantastic Spring Valley lot, approximately 0.75-1.0 acre! Water and sewer already in place! BANK OWNED and they have this one priced to move fast! Ready to get it off the...

Courtesy of Coldwell Banker Residential Brokerage

Listing courtesy of Coldwell Banker Residential Brokerage.

1400 Cactus Avenue, Columbia $37,000

This 2 bedroom townhome in The Groves features a large living room and unfinished basement. Property is owned by the US Dept. of HUD, Case #461-659285. FHA Insurability C...

2 Beds
3 Baths

Courtesy of Keller Williams Palmetto

Listing courtesy of Keller Williams Palmetto.

132 Starling Drive, Hopkins $32,500

1995 manufactured home with 4 BR, 2 Baths on large country lot in Hopkins. This home features a formal LR with FP, a family room, an eat-in kitchen and 4 bedrooms. There ...

4 Beds
2 Baths

Courtesy of Coldwell Banker Residential Brokerage

Listing courtesy of Coldwell Banker Residential Brokerage.

1329 Crosshill Road, Hopkins $29,900

3 bedroom, 2 bath 1998 mobile home on 2.20 acre lot. Living room with fireplace. Eat-in kitchen.

3 Beds
2 Baths

Courtesy of Re/Max Advantage Group

Listing courtesy of Re/Max Advantage Group.

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