Mortgage lender

Welcome to Cain Mortgage Team Columbia SC Top Rated Mortgage Broker!

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.”  The only way to accomplish this is for our Team to provide the best possible experience in the Mortgage industry.  Our Team has a Five Star process that will educate, communicate and execute with and for our clients like no one else in the business. So, if you are looking at purchasing or refinancing in the Columbia, SC area, or anywhere in South Carolina or around the Country, we would love for the opportunity to earn your business.

Get the best Mortgage Lender Rates in South Carolina

 

As a Mortgage Broker, we have the best selection of Mortgage options, the lowest rates, and the best service.  Mortgage Brokers have significantly more flexibility with credit than Lenders or Banks, which allows for clients with lower scores to get Approved.

What Our Clients Are Saying About Us.

David and his team are amazing!! David and Zach are both so personable and made the process extremely easy, smooth and stress free! They ensured that everything was done ahead of time so there was no room for delays! They helped my family enjoy the process of finding out new home!!-Unknown

I cannot say enough positive things about this wonderful team. They are kind, diligent, understanding, and very hard working for their clients! I never in a million years thought purchasing a home this year was possible. When David told me it could, I was in complete shock! Even with all the bumps in the road that come with buying a home this team was in my corner and worked harder than most would have to make my dreams true. As I sit in my new home writing this review, I am beyond thankful for David, Zach, Kayla and the rest of Team Cain. I’m very much looking forward to our future dealings. Thank you, from the bottom of my heart!

-Wilson H

With the knowledge David and his staff have, you’re doing yourself a disservice by not contacting him in regards to all of your mortgage needs! I highly recommend the Cain Mortgage Team and will definitely be using them again in the future!

-‘J’ MATTHEW

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Can I pay my mortgage with a credit card?

Can I pay my mortgage with a credit card?

Yes, you can pay your mortgage with a credit card. While you can use credit cards for mortgage payments, it's not always easy since oftentimes, mortgage providers do not accept direct credit...

What is equity in a house?

What is equity in a house?

The difference between the amount of mortgage loan owed and the value of your home is the equity in a house. For example, if the amount of outstanding balance you owe on your mortgage loan is...

How long can a house be under contract?

How long can a house be under contract?

The terms of the offer and the related clauses in the purchase contract may determine how long a home seller has to accept an offer. Most agreements include a time frame, and some states also...

Second home down payment requirement

Second home down payment requirement

Second Home Down Payment Requirements The second home down payment requirement is usually stricter than your primary mortgage. You might need a second home as an investment or vacation. Either way,...

Guarantor vs Co-signer

Guarantor vs Co-signer

What's The Difference Between A Guarantor And A Co-Signer? The difference between a guarantor and a co-signer is that the guarantor can be a third-party company or a person that does not live with...

What do Mortgage Originators do?

What do Mortgage Originators do?

What do Mortgage Originators do? Mortgage loan originators support borrowers during the loan application and closing processes. A few examples of what this involves include collecting your credit...

What are Bi-Weekly Mortgage Payments?

What are Bi-Weekly Mortgage Payments?

What are Bi-Weekly Mortgage Payments? A mortgage option known as a biweekly mortgage enables the borrower to make payments every two weeks as opposed to once each month. With a biweekly mortgage,...

What is Mortgage Insurance in South Carolina?

What is Mortgage Insurance in South Carolina?

What is Mortgage Insurance in South Carolina? Mortgage insurance can be required if you take out a traditional mortgage loan in South Carolina. This insurance, also known as PMI for short, protects...

What is the Acceleration Clause?

What is the Acceleration Clause?

What is the Acceleration Clause? Acceleration clause in a mortgage definition If you are a new homeowner with a real estate loan, you may want to review your loan agreement to see whether it...

What Is A Defeasance Clause?

What Is A Defeasance Clause?

What Is A Defeasance Clause? It refers to the contract term which is part of a mortgage, where the lender agrees to give the borrower title to the buyer once all the mortgage payments are...

Who can be on the title on a VA loan?

Who can be on the title on a VA loan?

Who Can Be On The Title On A VA Loan? Only the following parties are permitted to appear on the title of a VA loan: The military member or veteran; A veteran or military member, as well as...

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