The Cain Mortgage Team is your premier mortgage team located in Columbia, South Carolina. As a Mortgage Broker, we pride ourselves on offering some of the lowest rates nationwide and making the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Columbia area or many States around the Country.
Whether you are a first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of mortgage brokers here can help you take that first step toward a financial solution. Our Mission Statement is "to create lifelong, raving fans by treating our clients like family."
Whether you are a first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of mortgage brokers here can help you take that first step toward a financial solution. Our Mission Statement is "to create lifelong, raving fans by treating our clients like family."
Services
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The Cain Mortgage Team team is committed to providing clients with the highest quality mortgage experience combined with the lowest rates available in your area. The outstanding mortgage brokers will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
Conventional loans
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Conventional loans are Mortgage loans offered by non-government sponsored lenders. A conventional, or conforming, mortgage adheres to the guidelines set by Fannie Mae and Freddie Mac. It may have either a fixed or adjustable rate. When looking for a Conventional loan, most people are looking for a great rate, service with a personal touch, and an easy process.
FHA loan
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The primary goal of the Federal Housing Administration (FHA) is to improve the housing market and protect lenders in the event a borrower defaulted on their mortgage. The FHA has grown to become the largest insurer of mortgages in the United States. The Cain Mortgage Team is proud to offer great rates and flexible financing options on Columbia FHA Loans.
Jumbo mortgage
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Jumbo loans have loan amounts that are above the Conforming loan limit that is set by Fannie Mae and Freddie Mac - currently $510,400 for a single-family home in most areas. One of the exceptions is designated areas that are considered High-cost markets where the limit is $765,600. Most high cost areas are in larger cities with dense populations and the demand for housing is higher.
USDA loan
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In today's world, a steady income and good credit may not be enough to qualify for a home loan. With that said, the Cain Mortgage Team offers a USDA home loan program that can assist most individuals and families in rural areas of Columbia, SC to become homeowners. Some of these areas include Blythewood, Lexington, and all of Kershaw County.
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