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 $745,000 ▼

Wow what a beautiful home that just needs your touch to make it perfect, located in Woodcreek Farms! The master suite on the main features his & her closets, a spacious s...

5 Beds
7 Baths

Courtesy of Century 21 Vanguard

Listing courtesy of Century 21 Vanguard.

226 Lame Horse Road, Columbia $429,900 ▼

Granite kitchen, marble or hardwood entire 1st floor, kitchen & breakfast room open to great room, marble sun room, screen porch w/glass enclosure not includng in square ...

4 Beds
4 Baths

Courtesy of Century 21 Vanguard

Listing courtesy of Century 21 Vanguard.

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.

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.

720 Carolina Aster Drive, Blythewood image

720 Carolina Aster Drive, Blythewood $309,900

Best floor plan in Cobblestone Park! 1 story immaculate Ranch. Upgrades: Custom Shutters $700, Plant Irrigation System $1700, 5 Speaker Surround Sound, Oversize Decking. ...

3 Beds
3 Baths

Courtesy of Era Wilder Realty

Listing courtesy of Era Wilder Realty.

316 White Birch Circle, Columbia $259,900 ▼

Wonderful Patio one story home in Wild wood area home has been update fresh painted inside and outside new grant counter top new sink and replace new appliance and fron...

2 Beds
2 Baths

Courtesy of Agent Group Realty

Listing courtesy of Agent Group Realty.

160 Whitwood Circle, Columbia $259,900 ▼

Wow! Five bedroom, four bath home located in Harbison Community. All new flooring, new interior and exterior paint, new roof, new light fixtures, new kitchen cabinets and...

5 Beds
4 Baths

Courtesy of Century 21 Vanguard

Listing courtesy of Century 21 Vanguard.

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.

39 Crystal Springs Court, Columbia image

39 Crystal Springs Court, Columbia $246,500

Traditional home features 5 Bedroom, 3.5 Bath, Master Suite on main level with private bath. Formal Dining with coffered ceiling, Family room opens to Eat-In-Kitchen wit...

5 Beds
4 Baths

Courtesy of Centre Realty, Llc

Listing courtesy of Centre Realty, Llc.

321 Hunters Blind Drive, Columbia $215,000

Lake front home on .6 acres in Quail Valley. Kitchen has granite counter tops, tile flooring and tile backsplash. Formal living room with fireplace, laminate flooring. ...

4 Beds
4 Baths

Courtesy of Century 21 Vanguard

Listing courtesy of Century 21 Vanguard.

120 Rosecliff Circle, Hopkins $189,900

Completely renovated home with new carpet, Fresh vibrant paint and more! Must see as it is in a great community!

4 Beds
3 Baths

Courtesy of Vylla Home, Inc.

Listing courtesy of Vylla Home, Inc..

10 Frasier Bay Court, Columbia $174,000

Great all brick home in established community. Ranch style with bonus room. Formal dining room and located in a private culdesac. Open House Sunday 3/15 1-3

3 Beds
2 Baths

Courtesy of Exclusive Realty Llc

Listing courtesy of Exclusive Realty Llc.

1600 Luster Lane, Columbia $173,600 ▼

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.

1206 Pembrook Drive, West Columbia image

1206 Pembrook Drive, West Columbia $169,900 ▼

4 bedroom, 3.5 bath on common ponds in great location! House needs complete renovation and repairs. Convenient to I-26, schools and downtown Columbia.

4 Beds
4 Baths

Courtesy of Southern Visions Realty Inc

Listing courtesy of Southern Visions Realty Inc.

9 Bent Oak Court, Blythewood $165,000 ▼

Four bedroom, 3 full baths located in Willow Lake. Living room with fireplace. Formal dining room. Kitchen has ample cupboard space, tile flooring, stained cabinets and ...

4 Beds
2 Baths

Courtesy of Century 21 Vanguard

Listing courtesy of Century 21 Vanguard.

3501 Lyles Street Unit G, Columbia image

3501 Lyles Street Unit G, Columbia $160,000 ▼

Townhome located in McCants @ Earlewood Park, Originally an Elementary School built in 1931 Townhome features 2 Bedroom, 2 Bath, Living room with fireplace, hardwoods, ...

2 Beds
2 Baths

Courtesy of Centre Realty, Llc

Listing courtesy of Centre Realty, Llc.

4301 Pine Forest Drive, Columbia $159,900

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...

6 Beds
4 Baths

Courtesy of Vylla Home, Inc.

Listing courtesy of Vylla Home, Inc..

5600 Pinestraw Road, Columbia $159,300 ▼

3 bedroom, 2 bath single story home on just over half acre lot! Living room and great room. Formal dining room. Attached carport. Relaxing screened porch.

3 Beds
2 Baths

Courtesy of Re/Max Advantage Group

Listing courtesy of Re/Max Advantage Group.

5601 Colonial Drive, Columbia $149,000

like older homes??? This is the one some recent updates. large rooms tall ceilings and a sun porch. Lots of character t/o this gem. Large wrap porch makes for enjoyable e...

2 Beds
2 Baths

Courtesy of Centre Realty, Llc

Listing courtesy of Centre Realty, Llc.

2003 Mockingbird Road, Columbia $147,200 ▼

3 bedroom, 1 1/2 bath single story home on 0.40 acre lot. Dining area, living room and great room. Carport attached. Detached garage/workshop.

3 Beds
2 Baths

Courtesy of Re/Max Advantage Group

Listing courtesy of Re/Max Advantage Group.

1532 Legrand Road, Columbia $139,900

Discounted list price! Excellent bank owned opportunity in Northeast Columbia. Property features two separate attached carports, two Kitchens with flexible potential for ...

4 Beds
4 Baths

Courtesy of Exp Realty Llc

Listing courtesy of Exp Realty Llc.

221 Woodgate Drive, Columbia $139,900 ▼

Brand new roof! SOLD STRICTLY AS-IS CONDITION. Addendums apply; seller's attorney to hold earnest money.

3 Beds
2 Baths

Courtesy of Era Wilder Realty

Listing courtesy of Era Wilder Realty.

200 Scanley Road, Irmo $134,900 ▼

Check out this one. Living room with fireplace and vaulted ceilings. Eat in kitchen with french doors leading out to deck, three bedrooms, two bathrooms. Master bedroom...

3 Beds
2 Baths

Courtesy of Century 21 Vanguard

Listing courtesy of Century 21 Vanguard.

9441 S Chelsea Road, Columbia $119,000

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.

331 Woodcote Drive, Gaston $118,000 ▼

Spacious 3 bed 2 bath home in Gaston, SC. Situated on almost .5 acres on a quiet lot in the back of the neighborhood, this home boasts an open floor plan with large windo...

3 Beds
2 Baths

Courtesy of Keller Williams Columbia

Listing courtesy of Keller Williams Columbia.

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