How much house can you afford in Columbia? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
Updated · current rates and lending limits
Add your partner's income if you're buying together.
Car loans, credit cards, lines of credit, student loans. Not rent.
Enter your yearly household income.
Savings and gifts from family count. Many first-time buyer loans need just 3% down; under 20% you pay mortgage insurance.
7.40% (Freddie Mac 30-year average, October 2026). Change it if you've been quoted a rate.
Enter your down payment.
| After | Paid in total | Still owed |
|---|
Heath Goodrich Lending Team
5.0 · 293 reviews · Free pre-approval
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Guild Mortgage - Lauren Sawyer Foster
5.0 · 221 reviews · Free pre-approval
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New American Funding - Columbia, SC
4.9 · 222 reviews · Free pre-approval
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An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
Known for personalized attention and clear communication, Heath Goodrich Lending Team helps clients navigate mortgage options with care and patience. They assist with loan research and explanations, making the process less stressful, especially for first-time homebuyers. Customers appreciate their responsiveness, though some note the volume of questions can extend the timeline.
Guild Mortgage offers a range of home financing options, including VA, USDA, FHA, renovation, and conventional loans, backed by decades of industry experience since 1960. The team focuses on guiding clients through every step of buying, refinancing, or renovating a home, with many customers appreciating their clear communication and personalized support throughout the process.
New American Funding in Columbia is known for its Pathway to Homeownership program, which offers financial assistance to first-time buyers. The team provides a variety of mortgage options, including conventional, FHA, and VA loans, along with unique services like NAF Cash for competitive offers. Customers appreciate the knowledgeable agents and clear communication throughout the loan process.
Silverton Mortgage specializes in personalized home loan solutions, offering FHA, VA, USDA, conventional, and jumbo loans tailored to individual needs. Their team guides clients through the mortgage process with clear communication and support, though some may find the variety of loan options requires careful consideration.
Cain Mortgage Team specializes in guiding first-time and repeat homebuyers through the mortgage process with clear explanations and responsive support. They assist with securing home loans and strive to make closings straightforward and less stressful. Customers appreciate their knowledgeable approach and availability throughout the process.
PrimeLending, A PlainsCapital Company, is known for clear communication and attentive support throughout the mortgage process. The team assists with home purchases, refinancing, and loan options, often praised for responsiveness and helping clients understand each step. Some customers note a fast, smooth experience, especially appreciated by first-time buyers.
Midland Mortgage Corporation works primarily with homeowners seeking mortgage services, including loan modifications and insurance claim handling. The team offers ongoing support, though some customers find their policies on late fees and insurance disbursements strict. Reviews reflect mixed experiences with communication and flexibility during difficult situations.
Known for clear communication and hands-on guidance throughout the mortgage process, Gulfstream Mortgage helps clients from pre-approval to closing. The team offers personalized support with home loan applications and credit preparation, making the experience smoother for first-time buyers and seasoned homeowners alike. Some clients note the process can require patience as details are addressed.
With over 23 years of experience, Golden Gate Mortgage focuses on securing competitive rates and simplifying the loan process for South Carolina homebuyers. They offer a variety of loan programs, including FHA, VA, and USDA loans, guiding clients through each step with clear communication. Customers appreciate their responsiveness and support, especially during complex situations.
Lenders made 6,160 home-purchase loans in Richland County in 2025 (average about $286,000) and denied 1,028 — 14% of decided applications, compared with 19% across South Carolina, according to federal mortgage data (HMDA, CFPB). In Columbia, the median home is worth $264,300 and 66% of owners have a mortgage, paying a median $1,621 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Richland County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Heath Goodrich Lending Team | 5.0 | 293 | — | (803) 361-8021 | Visit |
| 2 | Guild Mortgage - Lauren Sawyer Foster | 5.0 | 221 | — | (803) 391-3535 | Visit |
| 3 | New American Funding - Columbia, SC | 4.9 | 222 | — | (803) 219-1999 | Visit |
| 4 | Silverton Mortgage - Columbia | 4.9 | 196 | — | (803) 766-0484 | Visit |
| 5 | Cain Mortgage Team | 5.0 | 180 | Quoted per loan | (803) 261-9267 | Visit |
| 6 | Assurance Financial - Columbia | 5.0 | 161 | — | (803) 888-3880 | Visit |
| 7 | PrimeLending, A PlainsCapital Company - Columbia SC | 4.7 | 106 | Quoted per loan | (803) 234-7322 | Visit |
| 8 | Midland Mortgage Corporation | 4.2 | 68 | — | (803) 765-1680 | — |
| 9 | Gulfstream Mortgage | 5.0 | 57 | Quoted per loan | (803) 771-0080 | Visit |
| 10 | Golden Gate Mortgage | 4.9 | 57 | Quoted per loan | (803) 788-2880 | Visit |
Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.
An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.
General information, not financial advice — consult a qualified professional.