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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

    9339 Windsor Lake Boulevard, Columbia image
    9339 Windsor Lake Boulevard, Columbia $255,000

    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.

    1144 St Matthews Rd, Swansea image
    1144 St Matthews Rd, Swansea $124,900 ▼

    Home with land and workshop with no HOA! Adorable 3 bedroom 2 bath home ready for a new owner with a bonus room that could be used as a 4th bedroom. Large eat-in kitchen...

    • 3 Beds
    • 2 Baths
    Courtesy of Keller Williams Columbia

    Listing courtesy of Keller Williams Columbia.

    131 S Pine Street, Batesburg image
    131 S Pine Street, Batesburg $114,900

    Calling all investors! Check out this home located in downtown Batesburg with lots of potential. Three-bedroom, 2 bathrooms, 2 living rooms, kitchen and formal dining ro...

    • 3 Beds
    • 2 Baths
    Courtesy of Century 21 Vanguard

    Listing courtesy of Century 21 Vanguard.

    701 Seton Road, Columbia image
    701 Seton Road, Columbia $96,900

    All brick 3-bedroom 2 bath home on corner lot. Large rear deck and fenced back yard. Eat in kitchen and living room with fireplace. Master with private bath. Property nee...

    • 3 Beds
    • 2 Baths
    Courtesy of American Dream Realty

    Listing courtesy of American Dream Realty.

    123 E Mosley Road, Gadsden image
    123 E Mosley Road, Gadsden $65,000

    Investors delight, brick ranch in need of tlc, some repairs started. This one will go quick so set up a showing with your agent asap.

    • 3 Beds
    • 1 Baths
    Courtesy of Century 21 Vanguard

    Listing courtesy of Century 21 Vanguard.

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