Business Details
Trusted Mortgage Services in Columbia, SC
At Mr Mortgage, we approach mortgage services with a commitment to personalized guidance and industry expertise. Our team prioritizes transparency and integrity, ensuring clients feel informed throughout the home loan process. With decades of combined experience in lending, we focus on building trust through clear communication and tailored solutions. We specialize in helping first-time buyers, veterans, and investors navigate financing options while emphasizing education to demystify mortgage decisions. Our mission centers on making homeownership accessible through competitive rates, flexible loan programs, and a client-focused approach that values individual needs over automated systems. 
Services
Fixed Rate Mortgage
FHA Home Loan
VA Home Loan
Rehab Loan
Jumbo Home Loan
First Time Home Buyer
Low Down Payment
Investment Property Loans
Refinance
USDA Loan
Highlights and features
- We provide personalized mortgage guidance tailored to unique financial situations
- Our team offers decades of combined experience in residential lending
- We prioritize transparent communication throughout the loan process
- We specialize in first-time homebuyer programs and VA loan options
- We maintain partnerships with multiple lenders to secure competitive rates
Associations and certifications
- NMLS 299810
What people say
Excellent communication
Stress-free process
Personalized rates
Expert guidance
Quick approvals
Services
Fixed Rate Mortgage
Our fixed-rate mortgages offer consistent interest rates and predictable monthly payments throughout the loan term. Ideal for borrowers seeking long-term financial stability, this option protects against market fluctuations while building home equity. We provide 15-, 20-, and 30-year terms with competitive rates for qualified applicants.
VA Home Loan
VA loans provide zero-down payment options for eligible veterans and active-duty personnel. Backed by the Department of Veterans Affairs, these mortgages feature favorable terms including no private mortgage insurance requirements. Our specialists guide military members through the unique benefits of this homeownership program.
First Time Home Buyer
Tailored solutions for first-time homebuyers include down payment assistance and reduced qualification requirements. We offer educational resources and specialized loan programs to help new purchasers navigate the process. Our counselors explain options like FHA loans and state-specific initiatives for qualifying buyers.
Refinance
Mortgage refinancing options help lower monthly payments or access home equity. We analyze current rates versus break-even points to determine optimal timing. Services include rate-and-term refinancing and cash-out options for home improvements or debt consolidation.
USDA Loan
USDA loans enable zero-down home purchases in designated rural and suburban areas. These government-backed mortgages include income limits and property eligibility requirements. Our team assists buyers in qualifying for this program that promotes homeownership in underserved communities.
People
D.C. Terry, Sr.
CEO
With extensive leadership experience in mortgage lending, D.C. Terry, Sr. oversees operations at Mr Mortgage. He focuses on maintaining ethical lending practices while expanding access to homeownership. His expertise guides the company's strategic direction and client service standards.
Questions
What mortgage options are available for first-time homebuyers?
We offer FHA loans, VA programs, and state-specific initiatives with low down payments and flexible qualification criteria for first-time buyers.
Can I get pre-approved for a mortgage online?
Yes, our secure online portal allows mortgage prequalification with estimated rates and loan scenarios within minutes.
Do you offer VA loans for military members?
Yes, we specialize in VA loans with $0 down payment options for eligible veterans and active-duty personnel.
How does mortgage refinancing work?
Refinancing replaces your current mortgage with new terms. We help lower payments, reduce interest rates, or access home equity through cash-out options.
What areas do you serve?
We primarily serve South Carolina including Columbia and surrounding rural/suburban areas with USDA loan eligibility.
Can I check my credit score before applying?
Yes, we recommend checking credit through free services like Credit Karma before starting the mortgage process.
