Tommy Harris

Tommy Harris is a mortgage lender in Columbia, SC, serving clients across Richland, Lexington, Sumter, and surrounding counties. As a First Citizens Bank mortgage banker, he specializes in conventional, FHA, jumbo, and first-time homebuyer loans, as well as refinancing, construction-to-permanent financing, self-employed borrower loans, and sustainable homeownership options. He guides individuals and families through every stage of the homebuying and refinancing process, offering personalized service and expert advice tailored to each client’s financial goals. With over 25 years of experience in the industry and a deep connection to the local community, Tommy is known for his responsive communication and commitment to helping clients maximize their buying power.

A native of SC and a graduate of SC State University with a degree in Accounting and Business Administration, Tommy has been with First Citizens Bank since 1996. He brings a strong foundation in financial principles and a personal dedication to service, rooted in his lifelong ties to the region. His approach emphasizes understanding each client’s unique circumstances, whether they are purchasing a first home, refinancing to access equity, or investing in a vacation property. He also supports clients seeking down payment assistance, helping those with modest incomes achieve homeownership.

Located at 1314 Park Street in downtown Columbia, the office sits just a short walk from several historic and civic landmarks. It is about a mile from the SC State Armory and the Victory Savings Bank, both recognized as historic buildings, and within a quarter-mile of the SC Education Lottery Claims Center, the Farmers Market Xchange, and several memorials including the North Carolina Mutual Building and 1001 Gervais Street.

Tommy Harris is recognized for his thorough, well-documented business presence and a website that search engines access cleanly, reflecting a strong, reliable digital footprint. His consistent, transparent service and deep local roots make him a trusted figure in Columbia’s mortgage landscape. As a dedicated professional who has served the community for decades, Tommy Harris remains a cornerstone of accessible, personal financial guidance in the region.

Services:

• Construction to Permanent Loans
• Conventional Loans
• FHA Loans
• Pre-Approvals
• Refinance