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.
Cedar home located on the 10th tee of Golden Hills. Open floor plan, home over looks community pond. Fireplace and wet bar in the formal living room. Bonus room in basem...
- 3 Beds
- 3 Baths
Listing courtesy of Century 21 Vanguard.
Beautiful large family home in the desirable Lake Carolina area. Home has been freshly painted throughout. New carpet in office, family room, two bedrooms and several oth...
- 6 Beds
- 4 Baths
Listing courtesy of Coldwell Banker Residential Brokerage.
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.
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.
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.
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.
The Formal Dining Room has 13ft ceilings. The open family room into the Kitchen/Eat-In Breakfast w/large island is Grand for Entertaining. The Master suite w sitting ar...
- 3 Beds
- 2 Baths
Listing courtesy of Centre Realty, Llc.
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.
FREDDIE MAC property !!! This property is eligible under the First Look Initiative through 9/30/18 The property is sold in AS IS condition, hardwood floors refinished, ne...
- 2 Beds
- 3 Baths
Listing courtesy of House Hunter Realty The Palmetto Group.
Home is located on a private lot with 11.94 acres. Pond on property. Nice view of the pond from the front porch of the home. Brick oven in yard to cook on. Workshop a...
- 3 Beds
- 4 Baths
Listing courtesy of Century 21 Vanguard.
WELL MANICURED home on half acre with views of Lake Murray! This beautiful home in Chapin's Smallwood Estates qualifies for Rural Housing, has a 2 car detached garage wi...
- 3 Beds
- 3 Baths
Listing courtesy of Keller Williams Columbia.
Very nice home in Greenhill Parish, great schools. Home features are 4 bedrooms, 3.5 bathrooms with hardwood floors in some rooms, 2 fireplaces, nice updated kitchen on c...
- 4 Beds
- 5 Baths
Listing courtesy of Coldwell Banker Residential Brokerage.
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.
Well-maintained 4BDR, 3BA. This home offers a semi open floor plan with spacious bedrooms, large family room and decent size eat-in kitchen. A fully finished bonus room u...
- 4 Beds
- 3 Baths
Listing courtesy of S&M Realty Of South Carolina.
**DISCOUNTED PRICE**Handyman Special Priced to Sell! Bank owned property located in the popular gated community of Emerald Lakes. 186 Emerald Lake Road provides easy acce...
- 3 Beds
- 2 Baths
Listing courtesy of Bailey Realty, Inc..
Great home on large corner fenced lot. Very Large living room / dining area . Private laundry room spacious enough to make a laundry center. Upstairs has a second sittin...
- 3 Beds
- 3 Baths
Listing courtesy of Carrington Real Estate Services.
Traditional home features 3 Bedroom, 2.5 Bath, with FROG would be 4th bedroom, Man Cave or Home Office, Formal Dining, Den with fireplace opens to Eat-In-Kitchen Front po...
- 3 Beds
- 3 Baths
Listing courtesy of Centre Realty, Llc.
Spacious 4 bed/ 3.5 bath brick home located in the Centennial Lake Carolina community! This home features two Master Bedrooms, Living Room, Formal Dining Room, and an Eat...
- 4 Beds
- 4 Baths
Listing courtesy of Coldwell Banker Residential Brokerage.
Traditional home located in Oak Haven @ Chestnut Hill Plantation, 3 Bedroom with FROG could be 4th bedroom, home office. Master on main level with private bath, Great ro...
- 3 Beds
- 3 Baths
Listing courtesy of Centre Realty, Llc.
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.
Gilbert Schools, This 4 bedroom 2 bath mobile home is located minutes from award winning schools. Fence in backyard with an above ground pool with built around decking. A...
- 4 Beds
- 2 Baths
Listing courtesy of Keller Williams Columbia.
Brick and wood constructed home located in Award Winning School District Lexington 2. 4 Bedrooms, 1 full bath. Living room with fireplace, Kitchen has ample cupboard spac...
- 4 Beds
- 1 Baths
Listing courtesy of Century 21 Vanguard.
Great investment potential or your new home. House has had some renovations done and an addition. It has a lot of potential. Much larger house then it looks from the s...
- 3 Beds
- 2 Baths
Listing courtesy of Front Porch Realty Llc.
