Columbia, SC Mortgage Rates and Refinance Rates

Columbia, South Carolina Mortgage Rates - Refinance Rates:

Search and compare mortgage rates and refinance rates in Columbia, SC. Our rate table has a list of Columbia, South Carolina mortgage rates and mortgage refinance rates. You can also use our free mortgage calculator to calculate monthly mortgage payments.

When you start your search for current mortgage rates in Columbia, SC you need to first have an understanding of the types of mortgages available and their corresponding interest rates. Types of rates available in Columbia, SC include conforming mortgage rates, super conforming rates, jumbo rates, adjustable rates, HELOC rates and home equity loan rates. There are variations of each type of mortgage available in Columbia, SC listed below.

Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
30 yr fixed refi in 29206, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
30 yr fixed Mortgage Loan from First Internet Bank
First Internet Bank
https://www.brimg.net/system/img/inst/7814_logo.gif
300000
Refinance
4.323
4.250
USD
First Internet Bank Logo
NMLS # 424182
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $2,305
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from First Mortgage Direct
First Mortgage Direct
https://www.brimg.net/system/img/inst/10212_logo.gif
300000
Refinance
4.411
4.250
USD
First Mortgage Direct Logo
NMLS # 244476
State Lic # 244476
at 1.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $2,659
 
 
30 yr fixed Mortgage Loan from goodmortgage.com
goodmortgage.com
https://www.brimg.net/system/img/inst/10094_logo.gif
300000
Refinance
4.390
4.250
USD
goodmortgage.com Logo
NMLS # 2917
State Lic # MLB-1467385
at 1.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $1,929
 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.224
4.115
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # MLS - 66247
at 0.100 pts
30 day lock rate
Est payment: $1,452.21
Fees in APR: $3,596
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
4.402
4.300
USD
at 0.100 pts
45 day lock rate
Est payment: $1,484.61
Fees in APR: $3,287
Thank you for your inquiry! We look forward to working with you. 
 
30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank
ConsumerDirect Mortgage, a division of First Bank
https://www.brimg.net/system/img/inst/8087_logo.gif
300000
Refinance
4.318
4.125
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
at 1.000 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $3,814
 
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.373
4.250
USD
HomeDirect Mortgage Logo
NMLS # 403501
at 1.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $1,350
 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.470
4.375
USD
Flagstar Bank Logo
NMLS # 417490
at 0.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $3,055
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from McGlone Mortgage Group
McGlone Mortgage Group
https://www.brimg.net/system/img/inst/2125_logo.gif
300000
Refinance
4.389
4.375
USD
McGlone Mortgage Group Logo
NMLS # 3232
State Lic # MLS -3232
(877) 475-4039
at 0.000 pts
45 day lock rate
Est payment: $1,497.86
Fees in APR: $488
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from goodmortgage.com
goodmortgage.com
https://www.brimg.net/system/img/inst/10094_logo.gif
300000
Refinance
4.500
4.500
USD
goodmortgage.com Logo
NMLS # 2917
State Lic # MLB-1467385
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from First Mortgage Direct
First Mortgage Direct
https://www.brimg.net/system/img/inst/10212_logo.gif
300000
Refinance
4.500
4.500
USD
First Mortgage Direct Logo
NMLS # 244476
State Lic # 244476
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.775
4.750
USD
Ally Bank Logo
NMLS # 181005
at 0.000 pts
60 day lock rate
Est payment: $1,564.94
Fees in APR: $865
 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.658
4.625
USD
Flagstar Bank Logo
NMLS # 417490
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $1,157
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
4.550
4.525
USD
at 0.000 pts
45 day lock rate
Est payment: $1,524.52
Fees in APR: $877
Thank you for your inquiry! We look forward to working with you. 
 
30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank
ConsumerDirect Mortgage, a division of First Bank
https://www.brimg.net/system/img/inst/8087_logo.gif
300000
Refinance
4.269
4.250
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
at 0.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $675
 
30 yr fixed Mortgage Loan from First Internet Bank
First Internet Bank
https://www.brimg.net/system/img/inst/7814_logo.gif
300000
Refinance
4.500
4.500
USD
First Internet Bank Logo
NMLS # 424182
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: None
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.500
4.500
USD
HomeDirect Mortgage Logo
NMLS # 403501
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from JG Wentworth Home Lending
JG Wentworth Home Lending
https://www.brimg.net/system/img/inst/10054_logo.gif
300000
Refinance
4.509
4.500
USD
JG Wentworth Home Lending Logo
NMLS # 2925
State Lic # 2925
at 0.000 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: $299
 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.378
4.365
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # MLS - 66247
at 0.000 pts
30 day lock rate
Est payment: $1,496.09
Fees in APR: $458
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from TIAA Bank
TIAA Bank
https://www.brimg.net/system/img/inst/1947_logo.gif
300000
Refinance
4.673
4.625
USD
TIAA Bank Logo
NMLS # 399805
at 0.000 pts
45 day lock rate
Est payment: $1,542.42
Fees in APR: $1,667
 
 
30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank
ConsumerDirect Mortgage, a division of First Bank
https://www.brimg.net/system/img/inst/8087_logo.gif
300000
Refinance
4.203
3.875
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
at 2.000 pts
30 day lock rate
Est payment: $1,410.71
Fees in APR: $5,641
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.412
4.250
USD
Flagstar Bank Logo
NMLS # 417490
at 1.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $2,389
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from goodmortgage.com
goodmortgage.com
https://www.brimg.net/system/img/inst/10094_logo.gif
300000
Refinance
4.457
4.125
USD
goodmortgage.com Logo
NMLS # 2917
State Lic # MLB-1467385
at 2.000 pts
30 day lock rate
Est payment: $1,453.95
Fees in APR: $5,580
 
 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
4.269
4.088
USD
at 1.100 pts
45 day lock rate
Est payment: $1,447.51
Fees in APR: $3,132
Thank you for your inquiry! We look forward to working with you. 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.160
3.990
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # MLS - 66247
at 1.100 pts
30 day lock rate
Est payment: $1,430.52
Fees in APR: $2,759
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed mtg refi Mortgage Loan from Bank of America
Bank of America
300000
Refinance
4.700
4.625
USD
Bank of America
4.700%
7/17/2018
4.625%
at 0.500 pts
60 day lock rate
Est payment: $1,542.42
Fees in APR: $1,119
 
 
30 yr fixed mtg refi Mortgage Loan from TD Bank, NA
TD Bank, NA
300000
Refinance
4.529
4.500
USD
TD Bank, NA
4.529%
7/17/2018
4.500%
at 0.000 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: $1,026
 
 
30 yr fixed mtg refi Mortgage Loan from Citizens Bank, NA
Citizens Bank, NA
300000
Refinance
4.688
4.625
USD
Citizens Bank, NA
4.688%
7/20/2018
4.625%
at 0.375 pts
60 day lock rate
Est payment: $1,542.42
Fees in APR: $1,073
 
 
30 yr fixed mtg refi Mortgage Loan from The Fidelity Bank
The Fidelity Bank
300000
Refinance
4.775
4.750
USD
The Fidelity Bank
4.775%
7/20/2018
4.750%
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: $863
 
 

Mortage Data Provided by Bankrate.com Many lenders have different rates on their own Websites than those posted on Bankrate.com. In order to get the Bankrate.com rate, please identify yourself as a Bankrate.com customer. If you believe that you have received an inaccurate quote or are otherwise not satisfied with the services provided to you by the lender you choose, please click here.

The rates above were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. Rate/APR and terms may vary based on the creditworthiness of the individual and the extent to which the loan differs from the one used for Bankrate.com quotes. For criteria used in surveys of rates above, click here. These quotes are from banks, thrifts, and brokers, some of whom have paid for a link to their own Web site, where you can find additional information.





Columbia, SC Conforming Mortgage Rates

Conforming mortgage rates are rates on mortgages that meet the criteria set out by the Federal Housing Finance Agency. There are limits set for each county of South Carolina. There are higher mortgage loan limits for designated high-cost areas, like on the coasts and in large cities.

Columbia, SC mortgages that “conform” to the standards set out by the Federal Housing Finance Agency can be purchased by Freddie Mac and Fannie Mae. This process guarantees banks are able to resell Columbia, SC mortgage loans that have been made. As a result, Columbia, SC mortgage rates today are lower than jumbo interest rates in Columbia, SC. Conforming mortgages and jumbo mortgages are available in terms of 40 years, 30 years, 25 years, 20 years, 15 years and 10 years.

Columbia, SC Super Conforming Home Loan Rates

Super conforming mortgages in Columbia, SC are mortgages that have higher mortgage loan amounts but still “conform” to the standards set by the Federal Housing Finance Agency. Super conforming mortgages are available for the higher cost housing areas like the coasts and in large cities.

Columbia, SC Jumbo Loan Interest Rates

Columbia, SC jumbo mortgage rates are rates for mortgage loans that have a dollar amount higher than conforming and super conforming loan amounts. Jumbo home loan rates in Columbia, SC are usually 0.75 basis points higher than conforming mortgage rates in Columbia, SC because there is no guarantee banks and credit unions can sell these mortgages after they make the loans.

Columbia, SC Fixed Rate Mortgages

Fixed rate mortgages are the most common mortgage available in Columbia, SC. The mortgage rate and the monthly payment stay the same for the entire life of the mortgage loan. This makes fixed rate mortgages the most stable and predictable for mortgagees.

Columbia, SC Adjustable Interest Rates

Columbia, SC adjustable mortgages have a fixed mortgage rate for a certain number of years and then the mortgage rate adjusts every year after the initial period. There are usually yearly caps and life time caps on how much the mortgage interest rate and fluctuate. Your monthly mortgage payment will be lower at first but can rise when mortgage rates rise. Adjustable mortgages are available in terms of 1 year, 3 years, 5 years, 7 years and 10 years.

Columbia, SC Interest Only Home Mortgage Rates

Columbia, SC interest only mortgages are mortgages that the borrower pays only the interest on the principal balance or a set period of time. After the initial period the mortgagee pays both interest and principal. Interest only (IO) mortgages were popular during the housing boom.

Columbia, SC FHA Mortgage Mortgage Rates

Borrowers in Columbia, SC must meet certain requirements established by FHA to qualify for a mortgage insured by the FHA. FHA mortgage interest rates in Columbia, SC are usually lower than conforming mortgage interest rates because mortgage lenders bear less risk because FHA will pay the lender if a homeowner defaults on his or her mortgage loan.


Google Map for Columbia, SC Rates & Resources