Loan Application Checklist in West Columbia, Lexington, Columbia, and Irmo South Carolina

For many buyers, applying for the mortgage loan is one of the more stressful aspects of buying a home. The loan application need not be a stressful time. By following a few easy steps, you'll sail through the loan application process.

West Columbia SC Real Estate - Homes for Sale in West Columbia South Carolina. We also provide you with Advanced Market Segments such as West Columbia Startup Homes, West Columbia Median Homes, West Columbia Upscale Homes, West Columbia Luxury Homes, and West Columbia Homesites and Land for Sale in West Columbia SC. Surrounding Towns included are West Columbia, Irmo, Columbia, Lexington, Lexington County, Cayce, Gaston, Swansea as well as niche communities: Agape Village, Charwood, Churchill Heights, Edenwood, Forest Acres, Moss Creek, Quail Hollow, Saluda Gardens, Saluda River Club, Saluda Terrace, Shadblow, The Avenues, and Westover Acres. Exit Agapé Real Estate Services is your West Columbia SC and South Carolina Senior Real Estate Specialists. (803) 454-3504

  1. Make a list of any questions you have about the loan program.
    Be sure you understand the advantages and disadvantages of the various mortgage programs for which you may qualify, including the advantages and disadvantages of Fixed Rate Mortgages versus Adjustable Rate Mortgages.

  2. Decide if you want to lock-in or float the loan's interest rate.
    Locking-in the rate means that the lender commits to the mortgage interest rate for the loan - typically at the time the loan application is submitted. By floating the rate, you can lock-in the interest rate anytime between the loan application day and closing. Buyers opt to "float the loan" when they believe interest rates will drop after their loan application date and prior to closing. The risk is that rather than dropping, interest rates may rise, increasing the mortgage payment.

  3. Decide if you want to pay additional points to lower your interest rate.
    Typically you can elect to pay additional points (each point is 1 percent of the mortgage loan payable in cash at closing) to lower the interest rate of your mortgage loan.

  4. Gather your paperwork.
    Click here to view a list of typical loan documentation.

West Columbia SC Startup Homes for Sale - Exit Agapé Real Estate Services
West Columbia SC Startup Homes [under $125K]

West Columbia SC Median Homes for Sale - Exit Agapé Real Estate Services
West Columbia SC Median Homes [$125K- $225K]

West Columbia SC Upscale Homes for Sale - Exit Agapé Real Estate Services
West Columbia SC Upscale Homes [$225K - $450K]

West Columbia SC Luxury Homes for Sale - Exit Agapé Real Estate Services
West Columbia SC Luxury Homes [over $450K]

West Columbia SC Homesites and Land for Sale - Exit Agapé Real Estate Services
West Columbia SC Homesites and Land for Sale

Agape Village West Columbia SC Homes for Sale - Exit Agapé Real Estate Services
Agape Village West Columbia SC Homes for Sale

Columbia SC Startup Homes for Sale - Exit Agapé Real Estate Services
Columbia Startup Homes
[under $125K]

Columbia SC Median Homes for Sale - Exit Agapé Real Estate Services
Columbia Median Homes
[$125K - $250K]

Columbia SC Upscale Homes for Sale - Exit Agapé Real Estate Services
Columbia Upscale Homes
[$250K - $550K]

Columbia SC Luxury Homes for Sale - Exit Agapé Real Estate Services
Columbia Luxury Homes
[$550K - $1M]

Columbia SC Million Dollar Homes for Sale - Exit Agapé Real Estate Services
Columbia Million $ Homes
[over $1M]

Columbia SC Homesites and Land for Sale - Exit Agapé Real Estate Services
Columbia Homesites and Land for Sale


Bill Oliver - Certified Mortgage Planning Specialist - Crescent Moon Mortgage
Get Pre-Approved









Today's Rates:

Mtg Loan    Rate  APR
30-yr Fixed4.97%5.13%
15-yr Fixed4.33%4.56%
1-yr Adj4.27%5.3%
* national averages



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Get Pre-approved

The questions in this short form will help us support you with The Pre-
Approval process - feel free to call us with any questions or concerns
at (803) 312-1800 or (803) 730-7269.
 
Pre-approval Questions
Are you actively looking for a home to purchase?:
Are you currently working with a Realtor?:
What is your time frame?:
What is your desired monthly payment?:
Do you have any questions on being Pre-Approved?:

Your Information
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Note: Fields with an * are required

Get Pre-Approved - Bill Oliver, Crescent Moon Mortgage

West Columbia SC Real Estate, Columbia SCJoe Nester Realtor. EXIT Agape Real Estate Services is ready to serve your real estate needs in Lexington, West Columbia, Irmo, Forest Acres, and Columbia South Carolina. Our experienced agents have all the right tools to properly market your listing or to search for your perfect new home. We strive to exceed your expectations on every transaction. (803) 730-7269 - sister website: West Columbia SC Homes for Sale.

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Exit Agapé Real Estate Services 3685 B Leaphart Road West Columbia, SC 29169
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