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PrimeLending, A PlainsCapital Company - Columbia, SC

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Columbia, SC
PrimeLending, A PlainsCapital Company - Columbia, SC

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PrimeLending is your mortgage expert and helps you find the best home financing. Contact us now! Don't believe us? Contact us today!

PrimeLending, A PlainsCapital Company - Columbia SC is your expert for mortgage, refinance, and renovation loans for over 35 years. We care about your new milestone and will guide you through each step of the process. With resources from mortgage calculators, in-depth loan articles, and a breakdown of our loan process, we can help you get one step closer to your future home. Our team doesn't just care about finding you a home, we want to help you find your dream home with the best financing available today. Check out the thousands of reviews from happy homebuyers and customers! We're excited to get to know you and your home needs.

10/27/2026

The housing market can be spooky enough, but your initial mortgage payments don't have to be! If the seller of a home is willing to pay for a temporary buydown, homebuyers can enjoy a lower effective interest rate and reduced monthly mortgage payments for the first 1, 2, or 3 years of their loan, depending on the program. Here's the treat: The seller would contribute toward the cost of temporarily reducing your payments, giving your budget a little extra breathing room as you settle into your new home. No hocus pocus required! Just a smart financing strategy that could make your homeownership dreams a little less frightening. Ready to scare up some savings? Let's chat about your options!

08/31/2026

You don’t have to be ready to tour homes to start the mortgage conversation.

I can help you estimate a comfortable price range, potential monthly payment and cash needed to close. Then you can decide whether buying now fits your plans or whether you need more time to prepare.

08/30/2026

What if I told you you’re not the only person who overthinks their credit score when they want to apply for a mortgage? Here’s what you might not know...you don’t need perfect credit to secure a low down payment.

FHA financing may offer more flexible credit guidelines and low down payment options for qualified buyers. Contact me today and I can walk you through how it works.

08/29/2026

The market can give you reasons to buy and reasons to wait. I focus on the part that matters most: your budget, timeline and plans.

If the payment feels comfortable and the home supports your next few years, buying now may make sense. If the numbers don’t work, waiting may be the smarter decision.

I can run both scenarios with you.

08/28/2026

What you may be able to borrow and what feels comfortable each month can be two different numbers.

I can help you compare the payment, cash needed to close and the amount you want left in your budget after the move. That gives you a more useful homebuying range before you start shopping.

08/27/2026

If your current mortgage rate is lower than what’s available now, refinancing may not feel like the right move. A home equity loan* may let you borrow against your equity while keeping your current mortgage and rate in place.

*All credit decisions for brokered products will be made by a third party. Restrictions and limitations apply.

08/27/2026

A lot of homeowners assume they have to wait years before refinancing. In many cases, the window may open within six to twelve months, depending on your mortgage and payment history.

If you think you’re ready to refinance, let’s talk. I’ll look at your current mortgage, discuss what you want to improve and see if your new payment and closing costs make sense together.

08/26/2026

Happy National Dog Day from the pets of PrimeLending to yours! Tell us which PrimeLending pup is your favorite in the comments.

08/26/2026

Show off your home’s true owner in the comments.

08/25/2026

Trying to lower your monthly mortgage payment? Take a look at whether PMI (private mortgage insurance) is still included.

As you pay down your loan or your home’s value increases, you may build enough equity to cancel PMI, depending on the loan product, and lower what you pay each month.

08/25/2026

Someone asked me recently if it’s possible to use their home equity without having to sell their house. It made me realize how many people still think a reverse mortgage means giving up their home. It doesn’t.

Eligible homeowners 62 or older can use a reverse mortgage* to access some of the equity they’ve built, without making a monthly payment. They’re still responsible for the property taxes, homeowners insurance and upkeep, and the loan is typically repaid when the home is sold or is no longer their primary residence.

Wondering if a reverse mortgage is the right fit for you? I can explain the requirements and help you find out if you qualify.

*These are brokered loan products. All credit decisions for brokered loan products will be made by the third-party lender. Restrictions and limitations apply. Not available in the state of NY. Please see https://www.primelending.com/refinance/reverse-mortgage for additional information. It is strongly advised that you consult with your family and/or trusted financial planner when considering any reverse mortgage loan.

08/24/2026

Closing is the last step before the home is officially yours. You’ll get your Closing Disclosure at least three business days ahead of time, so you can review the final numbers and know what to bring.

Then you’ll sign the paperwork, wrap up the purchase and get the keys. I’ll keep you updated along the way so you’re never left wondering what comes next.

08/24/2026

Finding the right home can feel exciting—until the down payment makes it seem out of reach.

For qualified buyers in rural areas, USDA financing may offer a path forward with 0% down.

08/23/2026

A traditional paycheck isn’t the only way people earn a living. For buyers with multiple income streams, contract work or who are self-employed, the challenge can be accurately showing their financial history.

At PrimeLending, we offer loan options that evaluate your full financial picture to give you a better view of what could work for you.

08/22/2026

The first year in a new home can come with extra expenses.

PrimeLending’s 40th Birthday Buydown may lower your effective interest rate by 1% during the first year on eligible FHA, VA and USDA purchase loans.* This offer ends soon, and we’re paying the buydown cost.

*Buydown 1-0 Option will be paid by PrimeLending. Rate discount applies only to first year. Must apply for and lock loan through PrimeLending between 7/13/26 and 8/21/26. Savings will reflect on the Closing Disclosure. Offer only available for FHA, VA, and USDA purchase loans. Excludes bond, broker, conventional products, high balance, jumbo products, portfolio products, construction loans, and refinances. Offer can be paired with PrimeLending VA No Lender Fees promotion, all other promotions are excluded. Availability subject to investor guidelines. Additional restrictions may apply, contact a PrimeLending loan officer for details. Subject to credit approval.

08/21/2026

Wondering how to build your savings back up after unexpected expenses pop up?

A cash-out refinance* may let a homeowner replace the current mortgage with a new one and receive part of the home’s equity as cash.

*All loans subject to credit approval and meeting eligibility requirements. Restrictions apply. Must meet minimum equity requirements. By refinancing an existing loan, the payments and total finance changes may be higher over the life of the loan.

08/20/2026

Concern about your credit score shouldn’t keep you from learning what you may be able to afford. A soft credit pull is a check on your credit report that does not impact your credit score since it is not for the purpose of approving a credit application. It gives you valuable insight into the type of home loan you can qualify for without having to make an application which would require a hard credit pull (which can affect your credit score as it is used for approving an application for credit).

*All loans subject to credit approval. A qualification is not an approval of credit, and does not signify that underwriting requirements have been met. Conditions and restrictions may apply.

08/19/2026

PITI stands for principal, interest, property taxes and homeowners insurance—the four costs that commonly make up your monthly payment. Looking at all four together can help you build a budget with fewer surprises.

08/18/2026

Did you know homeowners’ net worth is nearly 38 times higher than renters’? Homeownership is about more than having a place of your own. It can also be a long-term way to build financial security.

Source: Investopedia, 2026

07/21/2026

To celebrate turning 40, we considered giving everyone cake. Then we baked up something different.

For a limited time, we'll help make your first year of homeownership a little easier with a temporary rate buydown.*

The icing on the cake? You don't pay for the buydown. We do.

*Buydown 1-0 Option will be paid by PrimeLending. Rate discount applies only to first year. Must apply for and lock loan through PrimeLending between 7/13/26 and 8/21/26. Savings will reflect on the Closing Disclosure. Offer only available for FHA, VA, and USDA purchase loans. Excludes bond, broker, conventional products, high balance, jumbo products, portfolio products, and construction loans. Offer can be paired with PrimeLending VA No Lender Fees promotion; all other promotions are excluded. Availability subject to investor guidelines. Additional restrictions may apply. Contact a PrimeLending loan officer for details. Subject to credit approval.

Address

1703 Gervais Street
Columbia, SC
29201

Opening Hours

Monday	8:30am - 5pm
Tuesday	8:30am - 5pm
Wednesday	8:30am - 5pm
Thursday	8:30am - 5pm
Friday	8:30am - 5pm

Telephone

+18032347322

Website

https://lo.primelending.com/sccolumbia?utm_source=Yext&utm_medium=Listings&utm_campaign=SCColumbia

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