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

518 Patterdale Lane, Blythewood $439,000 ▼

Beautiful 5BR/4.5BA in gated golf course community residence with side-entry 3 car garge backs up to Fairway No. 14 on a 1/2 acre homesite! Large screened porch and 12x12...

5 Beds
5 Baths

Courtesy of Century 21 Vanguard

Listing courtesy of Century 21 Vanguard.

357 Garvey Circle, Columbia $399,000

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...

Courtesy of Keller Williams Columbia

Listing courtesy of Keller Williams Columbia.

1378 Rock Island Road, Gilbert $359,000 ▼

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

Courtesy of Southern Visions Realty Inc

Listing courtesy of Southern Visions Realty Inc.

402 Turkey Point Circle, Columbia $344,900

Beautiful all brick 3 bedroom, 2.5 bath home on golf course in Wildewood subdivision. Living room has hardwood floors, vaulted ceilings and a fireplace. Formal dining roo...

3 Beds
3 Baths

Courtesy of Re/Max Advantage Group

Listing courtesy of Re/Max Advantage Group.

813 Boatswain Loop, Chapin $339,900

BEAUTIFUL ALL BRICK HOME IN THE UPSCALE LAKEPORT COMMUNITY! Southern Charm on the Inside and Out. Lovely Entrance Greets you as you enter this Home.Open floor plan off ki...

3 Beds
3 Baths

Courtesy of Re/Max Advantage Group

Listing courtesy of Re/Max Advantage Group.

116 Clark Ridge Road, Columbia $334,900 ▼

REDUCED! Newly renovated 7 bedroom, 5.5 bath home on large 0.48 acre lot in Spring Valley. This expansive home features a formal LR, DR, family room, and eat-in kitchen w...

7 Beds
6 Baths

Courtesy of Coldwell Banker Residential Brokerage

Listing courtesy of Coldwell Banker Residential Brokerage.

112 Garden Gate Way, Lexington $260,000

Beautiful custom home with southern charm, in wonderful neighborhood with great amenities! 3 bedrooms & 2.5 baths. Spacious open floor plan with hardwoods through out the...

3 Beds
3 Baths

Courtesy of Coldwell Banker Residential Brokerage

Listing courtesy of Coldwell Banker Residential Brokerage.

900 S Stadium Drive Unit S704, Columbia image

900 S Stadium Drive Unit S704, Columbia $254,900 ▼

Step into class and then step out on the balcony over-looking the city side and Carolina Walk Park! Incredible 7th floor, 3 bedroom, 2 bath condo just steps to Williams B...

3 Beds
2 Baths

Courtesy of Brave Realty Llc

Listing courtesy of Brave Realty Llc.

411 Bryan Street, Leesville $249,500

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.

516 Old Woodlands Road, Columbia $243,500

Brick Ranch Home features 3 Bedroom, 2 Bath, Formal Living & Dining, Family Room with wood burning fireplace. Kitchen with granite counter tops. Side entry carport, patio...

3 Beds
2 Baths

Courtesy of Centre Realty, Llc

Listing courtesy of Centre Realty, Llc.

1809 Kennerly Road, Irmo $224,900

Newly renovated single-story home on large 2.8 acre lot in Irmo. This home features a living room with a vaulted, beamed ceiling and new hand-scraped wood laminate floori...

3 Beds
2 Baths

Courtesy of Coldwell Banker Residential Brokerage

Listing courtesy of Coldwell Banker Residential Brokerage.

900 Sardis Court, Blythewood $213,975 ▼

This 4br 2.5ba, 2850sf, home includes formal living and dining with hardwoods. Family room with a fireplace. Large gourmet kitchen with island, eat-in area, open floor pl...

4 Beds
3 Baths

Courtesy of Century 21 Vanguard

Listing courtesy of Century 21 Vanguard.

659 Dulaney Bend, Columbia $199,975 ▼

4 Bedroom, 3 Bath with open floor plan, Living Room with fireplace and built-ins. Formal Dining Room, Large kitchen with granite counter tops & Island. Spacious Master S...

4 Beds
3 Baths

Courtesy of Centre Realty, Llc

Listing courtesy of Centre Realty, Llc.

1541 Beasley, Blythewood $183,750 ▼

Beautiful home located in Beasley Creek Subdivision right outside of Columbia. Close to major highway and shopping. Home has 3 bedrooms 2 full baths, bonus room upstairs....

3 Beds
2 Baths

Courtesy of Personal Touch Realty

Listing courtesy of Personal Touch Realty.

2505 Park Street, Columbia $174,900

Cottage style historical home in downtown Columbia! This home has so much charm that has been updated with a modern flare! New paint and lighting fixtures. The kitchen ...

2 Beds
2 Baths

Courtesy of Jp & Associates Realtors Magnolia Group

Listing courtesy of Jp & Associates Realtors Magnolia Group.

1085 Shop Road Unit 326, Columbia $149,900 ▼

Brand new carpet! New HVAC being installed! SOLD STRICTLY AS-IS CONDITION. Addendums apply; seller's attorney to hold earnest money.

2 Beds
2 Baths

Courtesy of Era Wilder Realty

Listing courtesy of Era Wilder Realty.

160 Whitwood Circle, Columbia $149,900 ▼

Large home with 5 bedrooms, 4 baths located in Harbison Community. Close to shopping mall, restaurants, Harbison State Forest.

5 Beds
4 Baths

Courtesy of Century 21 Vanguard

Listing courtesy of Century 21 Vanguard.

104 Rosebank Drive, Columbia $144,000 ▼

Brick ranch with lots of space. One car attached garage. Formal living room with fireplace, formal dining room. Large kitchen with eat in area, lots of cupboard space....

2 Beds
2 Baths

Courtesy of Century 21 Vanguard

Listing courtesy of Century 21 Vanguard.

211 Alexandria Street, West Columbia image

211 Alexandria Street, West Columbia $134,900

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

3 Beds
3 Baths

Courtesy of Era Wilder Realty

Listing courtesy of Era Wilder Realty.

704 Westridge Road, Columbia $129,900

Awesome Deal on this 3 bedroom 2 bath all Brick home with fenced in back yard on .44 acres! Located in Turtle Creek community! Has a bonus room that could be office or 4t...

3 Beds
2 Baths

Courtesy of Vylla Home, Inc.

Listing courtesy of Vylla Home, Inc..

132 Spartan Drive, Columbia $127,900

Kitchen remodeled, beautiful granite- 3 bedroom, sun-room and deck for relaxing. Lots of storage too!

3 Beds
2 Baths

Courtesy of Era Wilder Realty

Listing courtesy of Era Wilder Realty.

646 Sequoia Drive, Lexington $123,300 ▼

This Ryan Home built in 2017 features 3 bedrooms, 2 1/2 bathrooms, and an attached garage. Zoned for Lexington One schools. Property is owned by the US Dept. of HUD, Ca...

3 Beds
3 Baths

Courtesy of Keller Williams Palmetto

Listing courtesy of Keller Williams Palmetto.

453 Bryan Street, Leesville $107,280

8.94 acres in great location!

Courtesy of Southern Visions Realty Inc

Listing courtesy of Southern Visions Realty Inc.

219 Chippewa Trail, Leesville $107,000 ▼

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

Courtesy of Keller Williams Columbia

Listing courtesy of Keller Williams Columbia.

100 Penny Lane, Lexington $104,900

FREDDIE MAC Property. This property is eligible for the First Look initiative through 08/06/2019. The property is sold AS IS condition. New Roof.

3 Beds
2 Baths

Courtesy of House Hunter Realty The Palmetto Group

Listing courtesy of House Hunter Realty The Palmetto Group.

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