Troy Branham Mortgage Broker

Troy Branham Mortgage Broker is a mortgage broker in Columbia, SC, located at 3102-A Millwood Ave. Troy Branham has served clients as a mortgage broker for over 25 years, beginning his career in Atlanta, Georgia, in 1997. He is a 1994 graduate of the University of SC with a degree in Political Science. He specializes in assisting first-time homebuyers with Conventional, Rural Development, FHA, and VA financing options. His experience spans retail and wholesale sectors of the industry, allowing him to review numerous mortgage loans to find the right fit. He works with Golden Gate Mortgage, a locally owned and operated company established in 1999, which shops multiple lending partners to secure competitive interest rates and fees. Troy is available for consultations Monday through Friday from 8:00 to 5:00.

The firm offers a secure application process that takes approximately 12 minutes to complete, serving as a prerequisite for pre-approval. Troy and his team act as the sole point of contact throughout the entire journey from application to closing, aiming to keep the process smooth and low stress. Beyond standard purchase loans, they handle refinancing, jumbo loans, and portfolio loans, including specific options for self-employed borrowers. The available products include fixed-rate mortgages with unchanging monthly principal and interest payments, as well as adjustable-rate mortgages that shift based on market conditions after an initial fixed period. VA loans are highlighted for offering military veterans benefits such as low interest rates and no down payment requirements.

Broker fees are typically paid by the lending institution rather than the client, ensuring that the focus remains on finding a mortgage that fits the borrower's budget and needs. The approach involves a specific strategy for each case, utilizing access to a large number of loan products that a single bank cannot provide. This includes FHA loans, USDA loans, and various other home loan programs designed to reduce anxiety in the home buying process. The goal is to help homeowners reduce monthly payments and interest rates by taking advantage of current market conditions.

Troy Branham Mortgage Broker brings over 25 years of industry experience to Columbia, SC, helping residents navigate complex financing options with a personalized, stress-free approach.

The office sits on Millwood Avenue, just a short walk from the Midlands Health Center and Dreher High School.

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Services:

• Consulting
• Home Financing
• Pre-Approval Process
• Refinancing
• Tailor-Made Solutions