Business Details
15 Years
experience
Your Trusted Mortgage Loan Partner in Columbia, SC
Mortgage Options was founded in 2011 with a clear mission: to provide clients with high-quality home loans and competitive mortgage rates across Georgia, North Carolina, South Carolina, and Tennessee. Our team of experienced professionals prioritizes personalized service, combining industry expertise with a commitment to long-term client relationships. We specialize in a wide range of mortgage solutions, including home purchase loans, refinancing, VA loans, FHA loans, jumbo loans, and debt consolidation programs.Our approach focuses on understanding each client's unique financial goals, whether they are first-time homebuyers or seasoned investors. With offices in Irmo, South Carolina, we serve clients throughout the Southeast while maintaining a dedication to transparency, ethical practices, and exceptional customer support. Our proven track record demonstrates that Main Street service can outperform Wall Street institutions through tailored solutions and unwavering attention to detail.
Services
Home Purchase Loans
Home Equity Loans
Jumbo Loans
VA Loans
Debt Consolidation Loans
Interest Only Loans
Home Refinance Loans
Cash Out Home Loans
FHA Loans
Reverse Mortgage Loans
Details
- Year established: 2011
Highlights and features
- We offer 15+ years of combined experience in mortgage brokerage services
- Our team provides personalized loan solutions tailored to individual financial situations
- We maintain transparent communication throughout the entire mortgage process
- We specialize in hard-to-find loan programs including VA, FHA, and jumbo loans
- Our local expertise serves clients across four Southeastern states
What people say
Best experience
Outstanding service
Smooth process
Excellent service
Highly recommend
Services
Home Purchase Loans
Our home purchase loans provide tailored financing solutions for first-time buyers and experienced homeowners. We offer competitive rates with flexible terms including fixed-rate and adjustable-rate options. Our team guides clients through every step from pre-approval to closing.
VA Loans
VA loans offer 100% financing with no down payment requirements for qualified military personnel and veterans. Our specialists help clients navigate the VA loan process with expertise in eligibility requirements and certificate processing.
FHA Loans
FHA loans require low down payments as little as 3.5% with flexible credit requirements. We assist first-time buyers in qualifying for these government-backed mortgages while explaining associated insurance requirements.
Jumbo Loans
Jumbo loans finance properties exceeding conventional loan limits up to $2 million. Our experts help clients meet stricter underwriting standards while offering competitive rates for luxury home purchases.
Debt Consolidation Loans
Debt consolidation loans leverage home equity to reduce high-interest debt payments. We offer home equity loans, lines of credit, and cash-out refinances to help clients simplify their monthly obligations.
People
Randy Brown
President
With over a decade of mortgage industry experience, Randy Brown leads our team in delivering exceptional service while maintaining strict compliance standards across multiple states.
C. Mario del Pino
Loan Officer
Mario del Pino specializes in VA loans and first-time homebuyer programs, combining technical expertise with personalized guidance to help clients achieve homeownership goals efficiently.
Brit Brown
Loan Officer
Brit Brown focuses on mortgage refinancing and debt consolidation solutions, helping clients optimize their financial positions through strategic loan restructuring and rate adjustments.
Karen Miller
Loan Officer
Karen Miller specializes in FHA loans and works closely with first-time homebuyers to navigate government-backed mortgage programs with clear communication and expert support.
Melissa Hyler
Loan Officer
Melissa Hyler provides comprehensive mortgage solutions with expertise in jumbo loans and luxury home financing, ensuring clients receive competitive rates for high-value properties.
Questions
What mortgage loan options do you offer?
We offer fixed-rate, adjustable-rate, VA, FHA, jumbo, reverse, and HARP loans, along with debt consolidation and home equity products.
Do you work with first-time homebuyers?
Yes, we specialize in first-time homebuyer programs with low down payment options and government-backed loan assistance.
Can I refinance my existing mortgage?
Yes, we help clients refinance to lower payments, access equity, or consolidate debt through various refinance programs.
What areas do you serve?
We serve clients throughout Georgia, North Carolina, South Carolina, and Tennessee with local market expertise.
How does debt consolidation work?
Debt consolidation uses home equity to pay off high-interest debts through home equity loans, lines of credit, or cash-out refinances.
How can I start the mortgage process?
Begin with a free rate quote online or contact us directly for personalized guidance through every step of the mortgage process.
