Heath Goodrich Lending Team

Business Details

Your Trusted Mortgage Partner in Columbia, SC

Heath Goodrich Lending Team has established itself as a trusted mortgage partner for South Carolina residents, delivering personalized service and industry expertise since our founding. Our team of seasoned professionals brings decades of combined experience in mortgage lending, specializing in a wide range of loan products including FHA, VA, USDA, and conventional mortgages. We prioritize clear communication and transparency throughout the loan process, ensuring clients receive tailored solutions that align with their unique financial situations. With a focus on local market knowledge and access to nationwide lending resources, we serve clients across all 46 South Carolina counties while maintaining a strong presence in the Columbia metropolitan area. Our commitment to excellence is reflected in our hassle-free approach to home financing, refinancing, and equity solutions, supported by competitive interest rates and flexible terms.

We take pride in guiding first-time homebuyers, veterans, and experienced homeowners through every step of the mortgage journey, leveraging our extensive network of real estate professionals to create seamless experiences. Backed by NMLS certification and a dedication to ongoing education, we stay current with evolving lending standards to provide reliable advice and innovative solutions. Our office in downtown Columbia serves as a hub for personalized service, though we extend our expertise to clients in Greenville, Myrtle Beach, Charleston, and beyond. By maintaining rigorous quality standards and prioritizing client education, we aim to transform mortgage transactions into opportunities for long-term financial growth. This approach has earned us recognition as a top-rated mortgage company in South Carolina, with a track record of helping thousands of residents achieve homeownership goals.

Services

FHA Loans VA Loans USDA Loans Conventional Loans Refinance Options First-Time Buyer Programs Investment Property Loans Debt Consolidation Mortgages Down Payment Assistance Bank Statement Loans

Highlights and features

We offer 23+ years of South Carolina real estate market expertise
Our team provides personalized mortgage solutions for diverse financial situations
We maintain NMLS certification with rigorous compliance standards
We service all 46 South Carolina counties with local knowledge
Our competitive rates and flexible loan terms reduce long-term costs

Associations and certifications

NMLS ID 30998

Website

Update Listing

Services

FHA Loans

FHA loans provide accessible homeownership opportunities with low down payment requirements. These government-backed mortgages feature flexible credit standards and competitive interest rates, making them ideal for first-time buyers and those with moderate credit histories. Our team specializes in guiding clients through the FHA loan process while ensuring compliance with all federal regulations.

VA Loans

VA loans offer exclusive benefits for veterans and active-duty military personnel. This program provides zero-down payment options, no private mortgage insurance requirements, and favorable interest rates. Our certified specialists help service members maximize their VA loan entitlement while navigating the unique documentation requirements associated with military service benefits.

USDA Loans

USDA loans enable home purchases in designated rural areas with no down payment required. These mortgages feature competitive rates and special underwriting guidelines for qualifying applicants. Our experts assist clients in determining eligibility based on property location and income requirements while streamlining the application process for USDA guaranteed loans.

Refinance Options

Our refinance programs help homeowners reduce monthly payments, shorten loan terms, or access home equity. We offer rate-and-term refinancing, cash-out options, and streamline processes for existing government loans. Our team analyzes current market conditions and client financial situations to determine optimal refinance strategies that build long-term equity.

Investment Property Loans

Investment property loans provide financing solutions for rental real estate acquisitions. These specialized mortgages consider property cash flow potential and investor financial profiles to offer competitive terms. Our experienced underwriters help clients structure loans that maximize rental income potential while maintaining compliance with commercial lending standards for multi-property portfolios.

People

Heath Goodrich

Branch Manager

With 23 years of South Carolina mortgage experience, Heath Goodrich leads our Columbia office as NMLS #290515. He specializes in matching clients with optimal loan programs while maintaining transparent communication throughout the process. His expertise spans conventional, government, and specialty mortgages.

Lisa Brasseur

Processor

Lisa Brasseur manages loan processing operations with meticulous attention to detail. Her 15+ years in mortgage administration ensure efficient document handling and compliance adherence. She works closely with underwriters to maintain timely loan approvals while providing exceptional client support during the verification process.

Caleb Andes

Loan Partner

As NMLS #39641, Caleb Andes brings specialized knowledge of regional housing markets to our Greenville team. He focuses on first-time buyer programs and new construction financing, leveraging local market insights to help clients navigate competitive real estate environments with confidence.

Kevin Rose

Operations Manager

Kevin Rose oversees daily operations as NMLS #113291, ensuring seamless loan processing workflows. With extensive experience in mortgage compliance and quality control, he maintains our commitment to regulatory standards while optimizing service efficiency across all South Carolina markets we serve.

Questions

What mortgage programs do you offer for first-time homebuyers?

We provide FHA loans with 3.5% down, USDA zero-down options, and state-specific down payment assistance programs. Our specialists help first-time buyers navigate these programs to find the most suitable financing solution based on individual circumstances.

Can I refinance my existing mortgage through Lending Path?

Yes, we offer multiple refinance options including rate-and-term refinancing, cash-out refinancing, and streamline programs for existing government loans. Our team analyzes your current loan terms and financial goals to determine the best refinance strategy.

Do you offer mortgages for investment properties?

We provide specialized financing for rental properties and multi-unit dwellings. Our investment property loans consider cash flow potential and offer competitive terms for clients building real estate portfolios across South Carolina's diverse markets.

What documentation is required for a mortgage application?

Standard requirements include proof of income (pay stubs, W-2s), asset statements, valid ID, and property information. Self-employed applicants need tax returns and business financials. Our team provides personalized checklists during initial consultations.

How long does the mortgage approval process take?

Typical approval timelines range from 30-45 days. Pre-approval can occur within 24 hours with complete documentation. We maintain expedited processing for qualified borrowers while ensuring thorough underwriting standards throughout the approval journey.

Are there special mortgage programs for veterans?

Yes, we specialize in VA loans offering zero-down financing, no PMI requirements, and favorable interest rates for eligible veterans and active-duty personnel. Our VA loan specialists guide clients through benefit verification and application processes.