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
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.
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
Listing courtesy of Southern Visions Realty Inc.
Great price for this brick 5 bedroom 4 bathroom home! Corner lot, side entry garage, salt water pool, fence, shed, gutters, and no HOA. Only four years old and ready for ...
- 5 Beds
- 4 Baths
Listing courtesy of Brand Name Real Estate.
Three story home in Brookshire at Lake Carolina community. Formal living room with bay windows, hardwood flooring and high ceilings. Living room with fireplace, enterta...
- 5 Beds
- 4 Baths
Listing courtesy of Century 21 Vanguard.
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 Baths
Listing courtesy of Re/Max Connected.
WOW!!! Super spacious home on a EXTRA Large corner .81 acre lot. Even the Master Bedroom is on the first floor! Just a little cleaning and paint and you are on your way t...
- 4 Beds
- 5 Baths
Listing courtesy of Carrington Real Estate Services.
This beautiful Shandon home has been freshly painted exterior and new roof. Large LR DR and kitchen. 11' ceiling Bedroom and bath on main level that could be used as the ...
- 4 Beds
- 2 Baths
Listing courtesy of Cmm Realty, Inc..
Located in the heart of the Woodlake Subdivision. The Seller has recently had the interior of the property painted and repaired. This is a foreclosed property and is sell...
- 3 Beds
- 4 Baths
Listing courtesy of Coldwell Banker Residential Brokerage.
Lovely and spacious two story brick home! Call this place yours! An inviting living room awaits with a fireplace, perfect for upcoming chili months. In the kitchen you ...
- 4 Beds
- 3 Baths
Listing courtesy of Century 21 Vanguard.
Gorgeous home located in the Eagle Glen subdivision! Heavily wooded lot. Large entry way with alluring hardwood floors & heavy trim work catches your eyes! Formal dining ...
- 3 Beds
- 3 Baths
Listing courtesy of Cmm Realty, Inc..
Beautiful Brick 2 Story home located in Wildewood. Master bedroom downstairs with huge walk in closet, master bath with separate Tub/shower, double vanity sink. Formal ...
- 3 Beds
- 3 Baths
Listing courtesy of Century 21 Vanguard.
This beautiful custom built all-brick home in the heart of Columbia's Northeast area is in a perfect location easily accessible from both I20 and I77, and is within minut...
- 3 Beds
- 3 Baths
Listing courtesy of Keller Williams Columbia.
What an awesome home here! All brick with fenced in rear yard, Porch across the back, spacious split bedroom floorplan! Closets galore here!!! Do not miss this opportunit...
- 3 Beds
- 2 Baths
Listing courtesy of Carrington Real Estate Services.
Buy Home & pre-occupy with pre-qual letter home has a 2015 ROOF Fishers Wood .5 Acre w fence and large deck. MATURE BEAUTIFUL UPSCALE NEIGHBORHOOD! New hardwoods thru out...
- 4 Beds
- 3 Baths
Listing courtesy of Ft Jackson Rlty Llc Lexington.
4 bedroom, 2 1/2 bath home on 2.02 acres in Blythewood! Living room with fireplace. Dining area. All new flooring and fresh paint through-out. New appliances. Updated bat...
- 4 Beds
- 3 Baths
Listing courtesy of Re/Max Connected.
Check out this two story home! Located in Award Winning School District Richland/Lexington 5. Large eat in kitchen, formal dining room, formal living room with fireplac...
- 4 Beds
- 3 Baths
Listing courtesy of Century 21 Vanguard.
All brick 4 bedroom with built in bookshelves in family rm. 4 baths some private. This could be a real Gem for that handy person. Lots of potential and changes could be m...
- 4 Beds
- 4 Baths
Listing courtesy of Centre Realty, Llc.
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 Baths
Listing courtesy of Exit Real Estate Solutions.
Handyman Special Priced to Sell! Bank owned property located in the popular gated community of Emerald Lakes. 186 Emerald Lake Road provides easy access to shopping, scho...
- 3 Beds
- 2 Baths
Listing courtesy of Bailey Realty, Inc..
4 bedroom, 2 1/2 bath, 2 story home. Great room, Living room. Dining area. Kitchen with island, double wall ovens and cook top stove. Rear patio, Covered front entry and ...
- 4 Beds
- 3 Baths
Listing courtesy of Re/Max Connected.
Nice 4BDR, 2BA home in the Summit. This home has a spacious living room with fireplace and formal dining room and eat-in kitchen. The backyard has a nice sized deck for e...
- 4 Beds
- 3 Baths
Listing courtesy of S&M Realty Of South Carolina.
New Roof! SOLD STRICTLY AS-IS CONDITION. Addendums apply; seller's attorney to hold earnest money.
- 4 Beds
- 3 Baths
Listing courtesy of Era Wilder Realty.
3 bedroom home located less than five miles away from major interstate. This home has new carpet that coordinates with the fresh paint that flows throughout the house. Th...
- 3 Beds
- 3 Baths
Listing courtesy of United Real Estate Columbia.
Take a look at this 4 Bedroom 3 Bath home on a corner lot in Cedar Grove. Zoned for Award Winning Lexington/Richland 5 Schools. Also located minutes away from Lake Murray...
- 4 Beds
- 3 Baths
Listing courtesy of Exit Real Estate Solutions.
Take a look at this 4 bedroom 2.5 bathroom home with large backyard, nice deck and covered patio. Located minutes away from Lake Murray and close to Retail and Restaurant...
- 4 Beds
- 3 Baths
Listing courtesy of Exit Real Estate Solutions.
