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
78.19 +/- acres in Leesville. Pond on back of property! Beautiful property for recreation, development or private homesite!
Listing courtesy of Southern Visions Realty Inc.
This is a premier waterfront three bedroom/ two bath room country home on 17.91 acres. It is ranch style, and surrounded by the sights and sounds of nature, on private bu...
- 3 Beds
- 3 Baths
Listing courtesy of Vicki Brooks Properties.
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.
This Brick Home features 5 Bedroom, 3 Bath, Formal Living & Dining. Large Eat-In-Kitchen with granite counters, custom cabinets, pantry, bar area, Kitchen opens to family...
- 5 Beds
- 4 Baths
Listing courtesy of Centre Realty, Llc.
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.
This classic all-brick Forest Hills home is a must-see! The home features 4 bedrooms, 2 bathrooms, eat-in kitchen open to the living room, and a formal living room. The...
- 4 Beds
- 2 Baths
Listing courtesy of Keller Williams Palmetto.
Remarkable home on 10 acres in Leesville! So many possibilities with this beautiful estate!! The ranch style home has 3,367 sf with 3 bedrooms and 2 bathrooms. Hardwoods ...
- 3 Beds
- 3 Baths
Listing courtesy of Southern Visions Realty Inc.
This home is a must see!! Traditional home located in The Village of Cobblestone Park in Blythewood, Resort Style Living in a Golf Course Community, Amenities, Pool, Clu...
- 4 Beds
- 3 Baths
Listing courtesy of Centre Realty, Llc.
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.
This beautiful home in Colony Ridge is a must-see! The home features 5 bedrooms, 3 bathrooms, eat-in kitchen open to the living room, and a formal living room and dining ...
- 5 Beds
- 3 Baths
Listing courtesy of Keller Williams Palmetto.
CLOSE TO SCHOOLS AND SHOPPING, the beautiful Bayfield floorplan from Fortress Builders has everything your family needs. Backyard is fenced in, and complete with covered ...
- 4 Beds
- 3 Baths
Listing courtesy of Keller Williams Columbia.
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
Listing courtesy of Century 21 Vanguard.
Beautiful 4 bedroom, 2.5 bath home in Summer Chase in The Summit. Large corner lot, fully-fenced backyard w/ deck perfect for entertaining. Hardwood flooring and wainscot...
- 4 Beds
- 3 Baths
Listing courtesy of Turner Properties Inc.
Great house! Minutes to interstates. Nestled in a wooded, natural neighborhood of Irmo with phenomenal Dutch Fork schools! Tri-level home boasts 3BR/2BA and a very coz...
- 3 Beds
- 2 Baths
Listing courtesy of Jp & Associates Realtors Magnolia Group.
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
Listing courtesy of Exp Realty Llc.
Home located in Lake Carolina-The Meadows, Home Features 3 Bedroom, 2 Bath, with FROG could be 4th Bedroom, playroom or Home Office, Great Room with fireplace, high ceili...
- 3 Beds
- 2 Baths
Listing courtesy of Centre Realty, Llc.
This home has 4 Bedroom, 2.5 Bath, Living & Dining Combo, Master Suite with private bath. Recently painted, new carpet. Close to award winning schools, shops and inter...
- 4 Beds
- 3 Baths
Listing courtesy of Centre Realty, Llc.
Look at this patio home located in Award winning school district Lexington Richland 5. Three bedroom, two bathroom. Move in ready! All new flooring, new interior paint, n...
- 3 Beds
- 2 Baths
Listing courtesy of Century 21 Vanguard.
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.
One Story maintenance free vinyl siding home in popular Moss Creek subdivision! Great location minutes from I-26 and close to downtown Columbia. The home features a Gre...
- 3 Beds
- 2 Baths
Listing courtesy of Keller Williams Columbia.
Brick ranch with 3 Bedrooms, 2 Full baths, 2 half baths. Patio with grill for entertaining, chain link fence in rear yard. Living room with fireplace, dining room, Kitc...
- 3 Beds
- 4 Baths
Listing courtesy of Century 21 Vanguard.
This beautiful cape-cod in Riverwalk is a must-see! The home features 3 bedrooms, 2 bathrooms, eat-in kitchen, large den, and huge bonus room on the back of the home. Pro...
- 3 Beds
- 2 Baths
Listing courtesy of Keller Williams Palmetto.
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.
All brick three bedroom two bath home. Den has a wood burning fireplace. Sunroom and screened patio. Close to restaurants, shopping, schools, and interstates. US Dept of ...
- 3 Beds
- 2 Baths
Listing courtesy of Coldwell Banker Residential Brokerage.
