Mortgage broker in Richland County, SC

Buying in Richland County

Richland County, with its county seat in Columbia, the state capital, also takes in Forest Acres, Irmo, Blythewood and Eastover. Richland County files are handled by Steve Umansky, Sr. Branch Manager, NMLS #61764, who is licensed in South Carolina, from our Southampton, PA office.

2026 conforming limit

$832,750

2026 FHA limit

$541,287 (one-unit, set by HUD)

Above the conforming limit

Jumbo pricing

Closing commonly handled by

closing attorney

State housing agency

SC Housing (general information; not a participating lender)

Your officer

Steve Umansky, NMLS #61764

2026 limits for a one-unit property. Richland County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

Richland County: Columbia and Fort Jackson

Fort Jackson, the Army’s largest basic training post, is inside Columbia, so VA loans are a regular part of this market and we request the Certificate of Eligibility at the start. State government and the university employ many other buyers, whose income usually documents cleanly.

Northeast Columbia and Blythewood have most of the newer subdivisions, with homeowners associations. Older neighborhoods such as Shandon and Forest Acres have homes from the first half of the last century, where appraisal condition comes up. Near campus, tell us whether a home is for you or will be rented to students. Parts of the county along the Congaree and its creeks are in a mapped flood zone.

Mortgage broker in Richland County by the numbers

Median home value

$242,800 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 0.67% of home value a year: median tax bill $1,637 on a median value of $242,800 (Census Bureau, ACS 2020–2024, table B25103)

Transfer tax

Deed recording fee of $1.85 per $500 of the price (South Carolina Department of Revenue, deed recording fee)

Largest communities

Columbia, St. Andrews, Dentsville, Forest Acres (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $242,800. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $541,287.

Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.

Closing and programs in South Carolina

Closings in South Carolina are typically handled by a closing attorney. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the South Carolina page. Property taxes are set locally; we take the figure from the tax record for the address.

Questions Richland County buyers ask

South Carolina notice. In South Carolina, Stellar Mortgage Corporation, NMLS #2190975, is a licensed mortgage broker. We arrange mortgage loans with lenders and do not make loans in South Carolina.

Limits shown are the 2026 FHFA and HUD figures for Richland County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.