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
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
Listing courtesy of Century 21 Vanguard.
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
Listing courtesy of Century 21 Vanguard.
Great executive style all brick home in desirable Wren Creek. Custom design on a corner lot with a 3 car garage. Sought after master on main that included a gourmet kitc...
- 4 Beds
- 5 Baths
Listing courtesy of Exclusive Realty Llc.
101.4 acres of land perfect for development! This property represents 3 separate parcels being sold together, and consists of 2 lots in the Hastings Point subdivision, pl...
Listing courtesy of Keller Williams Columbia.
This eye-catching home greets you immediately after you enter the Weston Woods neighborhood. The formal dining room with coffered ceilings and judge paneling welcomes vis...
- 5 Beds
- 5 Baths
Listing courtesy of Coldwell Banker Residential Brokerage.
Traditional Ranch with unique charm located on pond. Large deck and screened in porch and separate patio. 165 feet of water frontage, complete back yard has pond access. ...
- 3 Beds
- 6 Baths
Listing courtesy of Sc Real Estate Exchange.
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
Listing courtesy of Century 21 Vanguard.
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
Listing courtesy of Agent Group Realty.
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
Listing courtesy of Southern Visions Realty Inc.
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
Listing courtesy of Centre Realty, Llc.
Newly renovated 4 BR, 2.5 bath home in Hidden Pines. This home features a formal LR, DR, great room plus an eat-in kitchen. New roof installed 2019. This home features fr...
- 4 Beds
- 3 Baths
Listing courtesy of Coldwell Banker Residential Brokerage.
Over 2700 SF of functional in-door living space, offers double-stack front porches. Beautiful detailing such as exterior stone accents and shakes, columns and arches on t...
- 4 Beds
- 3 Baths
Listing courtesy of Century 21 Vanguard.
The Kershaw Plan is an open concept three bedroom two-and-one-half bath home made for entertaining! The home opens to a flex room, just off of the family, and kitchen. Th...
- 3 Beds
- 3 Baths
Listing courtesy of The Mungo Company Inc.
3 bedroom, 3 bath home with formal dining room. Living room with fireplace. Fenced backyard. In-ground pool.
- 3 Beds
- 3 Baths
Listing courtesy of Re/Max Advantage Group.
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
Listing courtesy of Century 21 Vanguard.
Nice home with great potential. This 4-BDRM, 3-BA home has a spacious living area. Kitchen has lots of cabinet space, large island w/sink, and granite counter-tops. Upst...
- 4 Beds
- 3 Baths
Listing courtesy of S&M Realty Of South Carolina.
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
Listing courtesy of Re/Max Advantage Group.
TRADITIONAL TWO STORY FLOOR PLAN-5 BEDROOMS-4 FULL BATHS-5th BEDROOM ON MAIN FLOOR-HUGE MASTER SUITE-MASTER BATH HAS SEPARATE SHOWER & GARDEN TUB-LOFT AREA ON SECOND FLOO...
- 5 Beds
- 4 Baths
Listing courtesy of Century 21 Vanguard.
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
Listing courtesy of Re/Max Advantage Group.
Brand new roof! SOLD STRICTLY AS-IS CONDITION. Addendums apply; seller's attorney to hold earnest money.
- 3 Beds
- 2 Baths
Listing courtesy of Era Wilder Realty.
Bilevel style home. Upper level has family room, dining room, kitchen, master bedroom with private bath plus 2 bedrooms and a full bath in the hallway. Lower level has ...
- 5 Beds
- 3 Baths
Listing courtesy of Century 21 Vanguard.
Reduced!!!! Amazingly beautiful, all brick tri level with 4 bedrooms 2 full baths listed at 129,975.00! Built in 1957. This house includes many great features such as his...
- 4 Beds
- 2 Baths
Listing courtesy of Transit Realty Llc.
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
Listing courtesy of Keller Williams Columbia.
*HOT new listing, wont last long!! * ALL brick home home with a country setting on a large lot. Come see this freshly remodeled home that has new paint, new flooring and ...
- 3 Beds
- 1 Baths
Listing courtesy of Keller Williams Columbia.
This 5 bedroom, 3 bathroom home in Leesville sits on 1.5 acres and features a covered front porch and 24x36 pole building on cement pad. Property is owned by the US Dept....
- 5 Beds
- 3 Baths
Listing courtesy of Keller Williams Palmetto.
