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
25.78 GC ZONED SITE PARTIALLY DEVELOPED. WATER & SEWER PULLED TO SITE. 1.4ACRE RETENTION POND. SITE IS TEED U FOR HOTEL, MULTI-FAM , GROCERY, OFFICE PARK LAND EVEN PRICE...
Listing courtesy of Home Shop Realty Company.
Wonderfully spacious home! Open the door to the house of your dreams. Entryway had hardwood floors and high ceiling. Just to the left of entry is a study with French door...
- 5 Beds
- 4.0 Baths
Listing courtesy of Century 21 Vanguard.
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
- 3.0 Baths
Listing courtesy of Southern Visions Realty Inc.
5 bedroom, 3 1/2 bath brick home. Living room with fireplace. Great room with hardwood floors. Formal dining room. Kitchen with island. Attached 4 car garage. All this on...
- 5 Beds
- 4.0 Baths
Listing courtesy of Re/Max Connected.
Great Wildwood home. Located in cul-de-sac. Very private large lot. Hardwoods on main level. Granite countertops with tile backsplash in kitchen. Dual fireplace in great ...
- 5 Beds
- 4.0 Baths
Listing courtesy of Century 21 Vanguard.
IDEAL LOCATION FOR MANY DIFFERENT TYPES OF BUSINESSES WITH A SOLID OFFICE SPACE ALREADY ON THE PROPERTY. HIGH TRAFFIC COUNT AND GREAT VISIBILITY WITH LOTS OF GROWTH ARO...
Listing courtesy of Medley Realty Llc.
Traditional home features 5 Bedrooms, 2.5 Baths, Formal Living & Dining, Eat-In-Kitchen, 2 car garage. VA property being sold AS IS.
- 5 Beds
- 3.0 Baths
Listing courtesy of Centre Realty, Llc.
REDUCED 25,000 - Now only $250,000- Perfect location for relocating a new office/retail space - Conveniently located on Two Notch Road a the Spring Valley Entrance - 2 mi...
Listing courtesy of Keller Williams Columbia Ne.
Just lowered the price on this prime commercial property to $244900. This building is located in the 5 Points Area, has 3 commercial units and 2 Residential Apartments. ...
Listing courtesy of The Carolina Agent Group - Midlands.
Hidden Irmo treasure! This 4 bedroom basement home is a rare find. Master on main with his & her closets, sitting area, & double vanities. Spacious kitchen & open to Grea...
- 4 Beds
- 3.0 Baths
Listing courtesy of Era Wilder Realty.
This beautiful property is located in the well established Keenan Terrace neighborhood in the heart of Columbia. Open floor plan and custom built home with a kitchen that...
- 3 Beds
- 2.0 Baths
Listing courtesy of Century 21 Vanguard.
Check out this Freshly Renovated 3 Bedroom, 2 Bath home nested in a quiet cul-de-sac in St. Johns Place! This home has new carpet and fresh paint throughout, new hardwood...
- 3 Beds
- 3.0 Baths
Listing courtesy of Exit Real Estate Solutions.
Bright, open, airy floorplan with an inground pool in a wonderful family neighborhood in the Lexington 1 school district. Large two-story foyer welcomes you to this home....
- 4 Beds
- 3.0 Baths
Listing courtesy of Coldwell Banker Residential Brokerage.
Very nice 4BDR, 2.5BA home in an established neighborhood. This home has an open floor plan with a large master suite. Large backyard with a deck for your entertainment...
- 4 Beds
- 3.0 Baths
Listing courtesy of S&M Realty Of South Carolina.
This home is a must see!! This home has been freshly painted, new carpet!! home features large open floor plan, main level has formal dining, and living room combo, large...
- 4 Beds
- 3.0 Baths
Listing courtesy of Cmm Realty, Inc..
Located at the end of a quiet cul-de-sac with hardwood floors in main areas, enclosed rear deck, zoned surround sound, wood fenced yard, walk in closets, high ceilings, g...
- 3 Beds
- 3.0 Baths
Listing courtesy of Carrington Real Estate Services.
Very nice 3BDR, 2.5BA home in an established neighborhood. This home has an open floor plan with a nice master suite. Nice size backyard. There's also a pool within the ...
- 3 Beds
- 3.0 Baths
Listing courtesy of S&M Realty Of South Carolina.
Fantastic 4 bedroom Rosewood home. Features a new roof, paint throughout, and the hardwood floors have been redone. Great location close to downtown, dining, shopping, an...
- 4 Beds
- 2.0 Baths
Listing courtesy of Resource Realty Group.
New Roof! SOLD STRICTLY AS-IS CONDITION. Addendums apply; seller's attorney to hold earnest money.
- 4 Beds
- 3.0 Baths
Listing courtesy of Era Wilder Realty.
Nice 3BDR, 2.1BA home in a well established area of town. There's a spacious great room with a wood burning fireplace and vaulted ceilings. A nice eat-in kitchen with a...
- 3 Beds
- 3.0 Baths
Listing courtesy of S&M Realty Of South Carolina.
Perfect Location. Perfect Size. Perfect Home in Lexington One School District. Trey ceiling in Family Room with fire place and dental molding. Family room opens to an eat...
- 3 Beds
- 2.0 Baths
Listing courtesy of S&M Realty Of South Carolina.
Nice 3 bedroom home with a formal dining room. Close to shopping and Harbison amenities. Located in a Cul de Sac with a fenced backyard; great for safety!
- 3 Beds
- 2.0 Baths
Listing courtesy of Brand Name Real Estate.
HOME IS LOCATED ON A LARGE CORNER LOT IN THE HEART OF WEST COLUMBIA. THIS SPACIOUS HOME IS NEAR SHOPPING, INTERSTATE AND RESTAURANTS. LOTS OF NICE HARDWOODS AND STORAGE...
- 3 Beds
- 2.0 Baths
Listing courtesy of Medley Realty Llc.
Lovely home just minutes away from Downtown. Large eat in kitchen is ready for any level chef, ample cabinet/counter space abounds. A formal dining has hardwood floor and...
- 3 Beds
- 2.0 Baths
Listing courtesy of Century 21 Vanguard.
Nice 3BDR, 2BA home in a well established area. This property has nice tile and hardwood floors, a fireplace, deck and its a fenced corner lot as an added bonus. US Dept...
- 3 Beds
- 2.0 Baths
Listing courtesy of S&M Realty Of South Carolina.
