Business Details
Trusted Mortgage Services in Columbia, SC
At Mortgage Options, we are dedicated to creating long-term relationships with our clients by providing exceptional service and tailored financial solutions. Our team specializes in delivering high-quality home loans with competitive rates across Georgia, North Carolina, South Carolina, and Tennessee. With expertise in home purchase loans, refinancing, VA loans, FHA loans, jumbo loans, and reverse mortgages, we work closely with homeowners, real estate agents, and builders to meet their unique financing needs.Our mission prioritizes client satisfaction, team development, and trusted partnerships, ensuring we exceed expectations in every transaction. We maintain integrity, honesty, and responsibility in all our operations, fostering a productive and respectful environment for clients and partners alike.
Services
Home Purchase Loans
Refinance Loans
VA Loans
FHA Loans
Jumbo Loans
Reverse Mortgages
Debt Consolidation Loans
Cash Out Refinance
HARP Loans
Interest Only Loans
Highlights and features
- We offer competitive mortgage rates across Georgia, North Carolina, South Carolina, and Tennessee.
- Our team specializes in diverse loan programs, including VA, FHA, and jumbo mortgages.
- We provide personalized service tailored to first-time buyers and complex refinancing needs.
- Our mission prioritizes client satisfaction through transparent, no-obligation consultation tools.
- We maintain NMLS licensing and state-specific credentials for regulatory compliance and trust.
What people say
Best experience
Outstanding service
Smooth process
Helpful team
No closing costs
Services
Home Purchase Loans
We specialize in home purchase loans tailored to first-time buyers, vacation home investors, and those seeking their dream property. Our programs include conventional, FHA, and VA options with competitive rates. Our team guides clients through pre-approval, documentation, and closing to ensure a seamless experience.
Refinance Loans
Our refinance solutions help homeowners lower monthly payments, reduce interest rates, or access equity through cash-out refinancing. We offer conventional, FHA streamline, and VA IRRRL programs. Our process simplifies rate locks, term adjustments, and debt consolidation for improved financial flexibility.
VA Loans
We provide VA loans for qualified veterans, active-duty personnel, and reservists to purchase owner-occupied homes with low down payments. Our specialists assist with eligibility verification, documentation, and streamlined approvals. These loans offer competitive rates and no private mortgage insurance requirements.
FHA Loans
Our FHA loan programs cater to first-time buyers and those with lower credit scores, requiring minimal down payments. We offer standard FHA loans and streamline refinancing options. Our team ensures compliance with federal guidelines while simplifying the application and approval process for accessible homeownership.
Reverse Mortgages
We offer reverse mortgages for seniors aged 62+ to convert home equity into tax-free funds. These loans allow homeowners to remain in their residences while accessing cash for retirement needs. Our counselors explain eligibility, payment options, and implications to ensure informed decisions.
People
Randall T. Brown
Loan Officer
Randall T. Brown, NMLS 220626, provides personalized mortgage solutions with over two decades of industry experience. He specializes in first-time homebuyer programs and complex loan scenarios.
Jennifer Peil
Loan Officer
Jennifer Peil, NMLS 1147403, offers expertise in mortgage financing options, focusing on client education and tailored loan programs for diverse homebuying needs.
Brit Brown
Loan Officer
Brit Brown, NMLS 2245168, assists clients with purchase and refinance transactions, emphasizing clear communication and timely closings for a stress-free experience.
C. Mario del Pino
Loan Officer
C. Mario del Pino, NMLS 938420, specializes in VA loans and first-time homebuyer programs, earning client praise for his supportive and knowledgeable approach.
Courtney Smith
Loan Officer
Courtney Smith, NMLS 2053959, supports clients through the mortgage process with a focus on transparency and personalized service for purchase and refinance needs.
Questions
What mortgage loan options do you offer?
We offer fixed-rate, adjustable-rate, VA, FHA, jumbo, reverse, and HARP loans, along with refinancing and debt consolidation options tailored to your needs.
Do you specialize in first-time homebuyer programs?
Yes, we provide first-time homebuyer programs with low down payments, including FHA and conventional options, supported by personalized guidance and pre-approval tools.
Can I refinance my current mortgage?
Yes, we offer refinance solutions to lower payments, reduce rates, or access equity through cash-out refinancing, including VA IRRRL and FHA streamline programs.
Are there options for veterans?
We specialize in VA loans for veterans, active-duty personnel, and reservists, offering competitive rates and no PMI requirements for qualified applicants.
How do I start the mortgage process?
Begin with our free online pre-approval tool or contact us at (803) 732-5787 to connect with a loan officer for personalized assistance and next steps.
What areas do you serve?
We serve clients in Georgia, North Carolina, South Carolina, and Tennessee with local expertise and state-specific mortgage programs.
