Columbia Mortgage Broker
Columbia, South Carolina Mortgage Rates & Broker Services
Buying or refinancing in We compare rates from 20+ wholesale lenders to find your lowest rate. Local SC expertise, Richland County knowledge, pre-approval in 24 hours.
$832,7502026 conforming limit (Baseline)
SC licensedNMLS #2134550
24 hrsPre-approval turnaround
20+ lendersShopped for your file
Columbia Mortgage Quick Facts
Richland County uses the standard baseline conforming amount. Here's the snapshot of the Columbia, SC mortgage market.
$832,750
2026 Conforming Limit
(Baseline)
(Baseline)
$210K
Median Home Price
(Columbia Metro)
(Columbia Metro)
140K
Population
(Columbia)
(Columbia)
9 states
Where OnPoint is Licensed
(incl. South Carolina)
(incl. South Carolina)
Why Use a Mortgage Broker in Columbia
Columbia is SC's capital and home to Fort Jackson (a major Army training base). Strong VA + USDA + FHA market with conforming at baseline ($832,750). Median home prices well below conforming makes it a first-time buyer-friendly metro.
Local SC Knowledge
Richland County conforming limits, South Carolina-specific programs (DPA, USDA where applicable), and lender preferences for local property types.
20+ Wholesale Lenders
We shop your specific file across 20+ wholesale lenders to find the lowest rate that actually closes — not a teaser quote.
24-Hour Pre-Approval
Real pre-approval letter in 24 hours so you can submit competitive offers in the Columbia market without delay.
Loan Programs Available in Columbia
Every loan type used in the Columbia, SC market — we match your file to the lender and program with the best pricing for your scenario.
VA
Zero down for veterans and active-duty service members. No PMI ever.
Learn more →FHA
3.5% down with 580+ FICO. Strong choice for first-time buyers.
Learn more →Conventional
Standard Fannie/Freddie loans for buyers with 3-20% down and 620+ FICO.
Learn more →USDA
Zero-down loans for rural and suburban borrowers in eligible areas.
Learn more →
Free · 24-Hour Turnaround
Get Your Columbia Mortgage Quote
A licensed South Carolina loan specialist will call within 24 hours with rate pricing matched to your file. No credit pull on the first call.
Got it. We’ll be in touch within 24 hours.
A South Carolina loan specialist will call you with pricing matched to your file.
☎ (877) 870-0007The Columbia Pre-Approval Process
Three steps to pre-approved and offer-ready.
1
Quote Request
Free analysis. No credit pull on the first call. We confirm your Columbia scenario and target rate.
2
Pre-Approval
24-hour turnaround with a real pre-approval letter you can submit with offers in the Columbia market.
3
Close in 21-30 Days
Standard close timing for most Columbia purchase loans. Refi typically 21-35 days.
Columbia Mortgage FAQ
What's the 2026 conforming loan limit in
Columbia is in Richland County, which falls under the Baseline conforming tier at $832,750. Loans above that amount are jumbo and priced separately by wholesale lenders.
Is OnPoint Mortgage Pro licensed in
Yes. OnPoint Mortgage Pro is licensed in 9 states including South Carolina. Our NMLS ID is #2134550. We close loans in Columbia and across the entire state.
How fast can I close a mortgage in
Purchase loans in Columbia typically close in 21-30 days. Refinances (especially FHA Streamline and VA IRRRL) close in 14-21 days. We coordinate with Columbia-area title companies and appraisers to keep timelines tight.
Do you offer VA loans in
Yes. We close VA loans across South Carolina for active-duty service members, veterans, and surviving spouses. See our VA loan guide for current rates, eligibility, and the IRRRL streamline refinance program.
What's the minimum down payment for a Columbia mortgage?
VA: 0% down for eligible veterans. FHA: 3.5% with 580+ FICO. Conventional: 3% for first-time buyers, 5% standard. Non-QM and DSCR programs vary. We model all options at quote time for your Columbia scenario.
Get Your Columbia Mortgage Quote in 24 Hours
Free analysis from a licensed South Carolina mortgage specialist. No credit pull on the first call. Rate comparison from 20+ wholesale lenders.
☎ (877) 870-0007Mon-Fri 8am-7pm PT · Sat 9am-3pm PT · Licensed in 9 states · NMLS #2134550
Terms & Conditions: Columbia mortgage rates and program availability shown are illustrative. Actual rate depends on credit profile, debt-to-income, property type, occupancy, loan amount, and current market conditions at lock time. Columbia is in Richland County, South Carolina, with a 2026 conforming loan limit of $832,750 (Baseline). Loans above that are jumbo and priced separately. Subject to credit and program approval. OnPoint Mortgage Pro is a licensed mortgage broker; NMLS #2134550. Equal Housing Lender.