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.
78.19 +/- acres in Leesville. Pond on back of property! Beautiful property for recreation, development or private homesite! Owner financing available!
Listing courtesy of Southern Visions Realty Inc.
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.
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.
Lovely 3 bedroom, 2 bath home on 5 acres!! Open great room with hardwood floors and fireplace. Spacious kitchen has oversize bar with plenty of room for barstools, tile c...
- 3 Beds
- 2 Baths
Listing courtesy of Southern Visions Realty Inc.
WoW Major Reduction Freddie Mac Property ! Seller will not complete any repairs to the subject property, either lender or buyer requested. Optional Lake Murray access wit...
- 4 Beds
- 4 Baths
Listing courtesy of House Hunter Realty The Palmetto Group.
Great Schools ! Immaculate home located in the Langford Crossing Subdivision. This home has granite in both the kitchen area and bathrooms. Home has hardwood floors on...
- 4 Beds
- 3 Baths
Listing courtesy of Transit Realty Llc.
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.
The Summit-Founders Ridge. Creampuff w/large rooms. . Eat-in Kitch open to Dining & Great Rm, covered front porch. New flooring, new paint, new garage doors and opener. M...
- 3 Beds
- 2 Baths
Listing courtesy of Century 21 Vanguard.
4 bedroom, 2 1/2 bath, 2 story home. Living room, Great room with fireplace, Formal dining room, Eat-in kitchen, Mudroom. Master with walk-in closet, spacious bath and pr...
- 4 Beds
- 3 Baths
Listing courtesy of Re/Max Advantage Group.
Nice 3DR, 2BA move in ready home. Large family room with eat-in kitchen, spacious bedrooms and large backyard w/a deck for entertaining and relaxation. US Dept of HUD ow...
- 3 Beds
- 2 Baths
Listing courtesy of S&M Realty Of South Carolina.
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.
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.
2 bedroom, 2 bath condo with all of the amenities! Great floor plan. Freshly painted. This condo will allow you to experience Game Day activities, enjoy the pool and hot ...
- 2 Beds
- 2 Baths
Listing courtesy of Re/Max Advantage Group.
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.
3 bedroom, 2 bath home on 3 acres!!! Living room with fireplace. Dining area. Kitchen with large island. Unfinished second floor, Master has walk-in closet, private bath ...
- 3 Beds
- 2 Baths
Listing courtesy of Re/Max Advantage Group.
Newly renovated 3 BR, 2.5 bath home in Orchard Hill. This home features a formal LR, DR, family room plus an eat-in kitchen. New roof installed 2019. New luxury vinyl flo...
- 3 Beds
- 3 Baths
Listing courtesy of Coldwell Banker Residential Brokerage.
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.
GREAT HOME AND LOCATION, PRICED TO SELL! This home has a great floor plan with 3 bedrooms and 2 full bathrooms. Front and rear porch with nice fenced in backyard. Family ...
- 3 Beds
- 2 Baths
Listing courtesy of Coldwell Banker Residential Brokerage.
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.
Charming home in Rabon Farms! This Charming 3 bedroom 2 bath home features a Great room, spacious Kitchen, Master bedroom with ensuite. Enjoy evenings on the Screened Po...
- 3 Beds
- 2 Baths
Listing courtesy of Coldwell Banker Residential Brokerage.
Commercial building. Great potential. Building has 4 offices and reception area with plenty of parking. Great potential.
Listing courtesy of Transit Realty Llc.
