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.
Spectacular deal all under one roof, 7000 sq ft grand home with a treasure chest of amenities! Five bedrooms, spacious living room, formal dining room with hand painted w...
- 5 Beds
- 7 Baths
Listing courtesy of Real Estate Partners Llc.
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.
Gorgeous stand alone home in desirable Lexington Villas. This custom home is loaded with extras features, fine hardwood on main level and molding. Ceramic tile in all b...
- 3 Beds
- 3 Baths
Listing courtesy of Acquire Real Estate Inc.
This beautifully custom-built, Craftsman style house is the perfect place to call Home! This 5 bedroom, 3 full bath has everything on your wish list. Gorgeous archways, h...
- 5 Beds
- 3 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.
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.
Beautiful two story home fully refurbished. New carpet, new paint, move in ready. Open floor plan. Kitchen has island, pantry, eat in area and hard wood fls. Formal dinin...
- 4 Beds
- 3 Baths
Listing courtesy of Century 21 Vanguard.
This cute-as-a button home in Hampton Woods features 3 bedrooms, 2 1/2 baths, formal dining room, large den with fireplace, screened-in back porch, and fenced-in backyard...
- 3 Beds
- 3 Baths
Listing courtesy of Keller Williams Columbia.
Brick ranch located on 2.45 acres. Three car garage attached. Formal living room with fireplace, formal dining room, great room, eat in kitchen with ample cupboard space...
- 3 Beds
- 2 Baths
Listing courtesy of Century 21 Vanguard.
Priced for quick sale and AS IS. Great family home on quiet street. Back yard with LARGE deck with covered area for grilling and entertaining. Large bonus room above gar...
- 4 Beds
- 2 Baths
Listing courtesy of W Realty.
3 LOTS COMBINED. Includes 009000-05-002, 009000-05-064, 009000-05-084. See new survey. Includes house, shops, buildings & detached garages
- 3 Beds
- 2 Baths
Listing courtesy of Nexthome Specialists.
This charming Cape Cod is the house you have been waiting for! Sweet home in a neighborhood that is convenient to I-20, Sandhills, Fort Jackson, Blue Cross, and more. Ste...
- 4 Beds
- 3 Baths
Listing courtesy of Brand Name Real Estate.
Great home only minutes to schools, shopping and main roads as well with 5 minutes to interstate access. Situated on a great corner lot. Plenty of storage with all the cl...
- 4 Beds
- 3 Baths
Listing courtesy of Carrington Real Estate Services.
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.
Charming 2 bedroom, 1 bath ranch home near USC campus, Williams Brice stadium and the State Fair ground. This charming home features hardwood floors, a formal DR, formal ...
- 2 Beds
- 1 Baths
Listing courtesy of Coldwell Banker Residential Brokerage.
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.
3 bedroom, 2 bath home located on 4.95 acres in Gilbert school district! Studio apartment/cottage located on property as well as 2 detached barn structures. Home is in ne...
- 3 Beds
- 2 Baths
Listing courtesy of Southern Visions Realty Inc.
GREAT OPPORTUNITY, GREAT INVESTMENT! Wonderful location to purchase this 3 bedroom 2 bath home with 2 car garage and rear deck. Home has a fireplace, large kitchen and re...
- 3 Beds
- 2 Baths
Listing courtesy of Coldwell Banker Residential Brokerage.
* HOT NEW LISTING located in IRMO schools, best value in the area!!! * Home is located in a well established neighborhood on a larger lot convenient to interstates, schoo...
- 4 Beds
- 2 Baths
Listing courtesy of Keller Williams Columbia.
SOLD STRICTLY AS-IS CONDITION. Addendums apply; seller's attorney to hold earnest money.
- 3 Beds
- 2 Baths
Listing courtesy of Era Wilder Realty.
3 Bed 2 bath home close to shopping and restaurants! This home in The Killian Station subdivision has an open floor plan, fenced in back yard, 2 car garage and much more!...
- 3 Beds
- 2 Baths
Listing courtesy of Coldwell Banker Residential Brokerage.
All brick 3BDR, 2BA home located on 1.6 acres. This home will need some TLC, but will make a beautiful family home when repairs and upgrades have been completed. This hom...
- 3 Beds
- 5 Baths
Listing courtesy of S&M Realty Of South Carolina.
Beautifully renovated 4BDR,3BA home move in ready. This home will make a great starter home for a small family. Spacious living area throughout and large backyard for ent...
- 4 Beds
- 3 Baths
Listing courtesy of S&M Realty Of South Carolina.
HOME IS LOCATED ON A LARGE CORNER LOT IN THE HEART OF WEST COLUMBIA. THIS SPACIOUS HOME IS NEAR SHOPPING, INTERSTATE AND RESTAURANTS. LOTS OF NICE HARDWOODS AND STORAGE...
- 3 Beds
- 2 Baths
Listing courtesy of Medley Realty Llc.
