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Now Lending in Columbia

Columbia home loans —
the heart of the Midlands.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Columbia and Richland County. From historic bungalows in Shandon to family homes in Forest Acres and lakefront living near Lake Murray, we bring local guidance to South Carolina's capital — with the ability to close in as little as 14 days* and pre-approvals often issued the same day.

Get Pre-Approved Call (561) 299-5825
The Midlands
Richland County Coverage
14 days*
Close In As Little As
$832,750
2026 Richland County Conforming Limit
5.0 ★
Google Review Rating
Columbia Markets

Local lending across
every Columbia neighborhood.

Columbia Neighborhoods

Historic in-town districts, university energy, and suburban lake communities.

  • Shandon & Rosewood
  • Forest Acres & Arcadia Lakes
  • Downtown & the Vista
  • Lake Murray & Irmo area
The Capital City

A stable market anchored by government, USC, healthcare, and Fort Jackson.

  • VA loans near Fort Jackson
  • First-time & affordable programs
  • Richland County coverage
  • Minutes to CAE & downtown
Every Kind of Columbia Buyer

From first homes to move-up, lakefront, and investor purchases.

  • First-time & move-up buyers
  • New construction & townhomes
  • Lakefront & second-home financing
  • Investment & rental properties (DSCR)
ShandonForest AcresRosewoodThe VistaDowntownEarlewoodMelrose HeightsLake KatherineWales Garden
Loan Programs in Columbia

Financing for every
kind of Columbia buyer.

FHA Loans

3.5% down with flexible credit — the most popular path for first-time Columbia homebuyers.

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VA Loans

0% down for Columbia's veterans and active-duty service members. No monthly mortgage insurance.

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Conventional Loans

Fixed and ARM options within the local $832,750 conforming limit for strong-credit borrowers.

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Jumbo Loans

High-balance financing for Columbia's luxury and higher-priced markets above conforming limits.

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DSCR Loans

Qualify on rental income to scale your Columbia investment-property portfolio.

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Non-QM Loans

Bank statement and alternative-doc programs for Columbia's self-employed borrowers.

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FAQ

Columbia mortgage
questions answered.

We serve homebuyers and homeowners throughout Columbia and the Midlands, including Shandon, Forest Acres, Rosewood, downtown, and the Lake Murray area, plus nearby Lexington, Irmo, and Blythewood.
The 2026 conforming loan limit is $832,750 in Richland County, including Columbia. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's higher-priced homes.
Columbia borrowers have access to FHA, VA, conventional, jumbo, Non-QM, DSCR, commercial, private money, and second mortgage / HELOC financing — for primary residences, second homes, and investment properties.

Ready to start your Columbia home journey?

Get pre-approved today — no cost, no obligation. Columbia borrowers, let's get you to the closing table.

Start My Application Call (561) 299-5825