Rate of Columbia

Rate of Columbia is a mortgage lender in Columbia, SC. The firm helps individuals and families purchase homes, refinance existing mortgages, and secure fast closings. Its portfolio includes down‑payment assistance programs, low‑down‑payment options such as VA, FHA and USDA loans, veteran‑specific loans, bank‑statement loans for self‑employed borrowers, jumbo loans for high‑value properties, physician loans, foreign‑national loans, reverse mortgages for homeowners over 62, and a 30‑year fixed‑rate mortgage. Rate of Columbia also offers a “Lock ’N’ Roll” program that lets borrowers lock a rate for 60, 75 or 90 days while house hunting, and an accelerated Same‑Day program that can approve a loan in one day with as little as 3 % down.

The Columbia branch is led by Branch Manager Jon Holifield and supported by Vice Presidents of Mortgage Lending Scott Robinson, Theresa Le, and John. The team emphasizes rapid approval, promoting a competitive edge that enables buyers to obtain financing in a single day. Their loan suite is designed to address a wide range of borrower needs, from first‑time homebuyers to military families, medical professionals, and foreign nationals. The company’s history notes a 25‑year journey that began with a focus on low rates, innovative technology, transparency and strong customer service. Early adoption of a digital mortgage platform in 2015 allowed applications to be completed in as little as 15 minutes, and a continued commitment to technology aims to simplify the mortgage experience for members.

Located on Park St, Rate of Columbia sits within a short walk of several downtown landmarks. It is about 0.1 mile from the North Carolina Mutual Building and the Farmers Market Xchange, and likewise close to the Victory Savings Bank, the SC Education Lottery Claims Center, the Nathaniel J. Frederick House, and the SC State Armory.

With its rapid approval process and extensive array of loan programs, Rate of Columbia provides a dependable mortgage solution for residents of Columbia, SC.

Services:

• Auto Financing
• Home Equity Loans
• Home Loans
• Home Purchase Loans
• Mortgage Pre-approval
• Mortgage Refinancing
• Personal Loans
• Refinancing