ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Browse fha loan specialists serving Columbia, South Carolina. Contact information and addresses listed below.
20 agents listed
Updated May 2026
Columbia, SC
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the South Carolina before hiring.
Showing 20 fha loan specialists in Columbia, SC
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Heath Goodrich Lending Team
1519 Richland St, Columbia, SC 29201
8033618021
New American Funding - Craig Johnson
717 Lady St Suite H, Columbia, SC 29201
8034200068
Guild Mortgage - Lauren Sawyer Foster
1751 St Julian Pl, Columbia, SC 29204
8033913535
New American Funding - Columbia, SC
717 Lady St Suite H, Columbia, SC 29201
8032191999
Guild Mortgage - Lamont Watson
One Harbison Way STE 110, Columbia, SC 29212
8035676680
Cain Mortgage Team
2717 Devine St, Columbia, SC 29205
8032619267
Guild Mortgage - Heyward Cathcart
1751 St Julian Pl, Columbia, SC 29204
8033913546
Silverton Mortgage - Columbia
2725 Devine St Suite 1, Columbia, SC 29205
8037660484
Aaron Simmons at First Heritage Mortgage, LLC
100 Executive Center Dr Ste 100, Columbia, SC 29210
8042922089
Mortgage Options, Inc.
6140 St Andrews Rd, Columbia, SC 29212
8037325787
PrimeLending, A PlainsCapital Company - Columbia SC
1703 Gervais St, Columbia, SC 29201
8032347322
Guild Mortgage - Jason Burns
1122 Barnwell St, Columbia, SC 29201
8032107999
The Cheer Lender - NMLS# 2188462
2231 Devine St Unit 202, Columbia, SC 29205
8032002615
Midland Mortgage Corporation
1500 Richland St #2611, Columbia, SC 29201
8037651680
Tricia Vinson - Ameris Bank Mortgage
1333 Main St STE 200, Columbia, SC 29201
8033976700
Gulfstream Mortgage
3101 Carlisle St Suite 105, Columbia, SC 29205
8037710080
Foundation Mortgage Corporation
2330 Devine St, Columbia, SC 29205
8037654522
Golden Gate Mortgage
3102 Millwood Ave, Columbia, SC 29205
8037882880
Travis Wright
3300 Millwood Ave, Columbia, SC 29205
8034135669
Guild Mortgage - Beth Gardner
1751 St Julian Pl, Columbia, SC 29204
8033913533
An FHA loan specialist in Columbia South Carolina helps borrowers navigate FHA insured mortgages which are popular for first time homebuyers and those with lower credit scores. South Carolina law requires all mortgage loan originators to be licensed through the NMLS and follow state specific disclosure rules. Working with a local specialist can help you understand how FHA loan limits and property requirements apply in Richland County and the surrounding area.
What Does a FHA Loan Specialist in Columbia Cost?
Typical costs for an FHA loan specialist in Columbia South Carolina include an origination fee of 1 to 1.5 percent of the loan amount plus third party costs like appraisal fees of $500 to $700 and credit report fees of $30 to $50. The upfront MIP is 1.75 percent of the loan amount and annual MIP ranges from 0.45 to 1.05 percent depending on loan term and LTV. Closing costs in South Carolina average 3 to 5 percent of the purchase price. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What are the FHA loan limits for Columbia South Carolina?
For 2025 the FHA loan limit for a single family home in Richland County is $498,257. This limit applies to most areas in Columbia and may be higher for duplexes or triplexes. Your specialist can confirm the exact limit for your property type.
What credit score do I need for an FHA loan in South Carolina?
The minimum credit score for an FHA loan is 580 with a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. South Carolina does not have additional state credit requirements beyond FHA guidelines.
Are there South Carolina specific FHA loan requirements?
South Carolina requires all FHA loans to include a state specific mortgage disclosure statement. The state also has a 30 day right to cancel period for refinances. Your specialist will provide these forms and explain any local property tax or insurance rules.
Free • No Obligation
Compare FHA Loan Specialists
Get matched with agents in Columbia who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the South Carolina.