Left Background
Right Background
Header Background

Mortgage News

Stay in the know.

USDA Loans: Are You Eligible?6.05.2018
Ready to Buy Your Dream Home? New Conventional Loan with Higher Loan Amounts4.23.2018


Don’t Get Caught Out by Mortgage & Wire Fraud3.09.2018
Take Advantage of Low Interest Rates Today!2.20.2018

What Does the New Tax Bill Mean for Homeowners & Home Buyers?1.05.2018


Debt Consolidation and Refinancing Your Home12.12.2017


Refinancing Your FHA-Insured Mortgage11.20.2017


Mortgage Insurance Improvements for Home Possible® & HomeReady® Loans10.11.2017
Zero Down Payment Mortgages9.12.2017
Don’t Let Student Debt Crush Your Mortgage Dreams!8.10.2017
Sourced and Seasoned Down Payments7.14.2017
No Down Payment Necessary!6.22.2017
New Conventional 1% Down Mortgage5.31.2017


Navigate the Neighborhood of Home Buying!4.12.2017


Reap the Tax Benefits of Homeownership!3.08.2017


No Credit? You can still qualify for a home loan!2.06.2017


Home Purchase Tips For 20171.09.2017


What will your bills look like after the holidays?12.06.2016


Give Yourself a Home for the Holidays 11.07.2016


Is it more beneficial to buy an existing home over building a new one? 10.18.2016


Loans With Zero Percent Down Do Exist!9.27.2016


Be a Homowner Superhero - Purchase Power8.18.2016


Credit Report Differences7.05.2016


Doing the Mortgage Dance6.02.2016

5 Tips for Every Homebuyer5.02.2016


What First Time Homebuyers Need to Know in 20163.28.2016

At Mortgage Options Inc., we love working with first time home buyers! As part of our job, we keep up with industry trends so that we can better inform our home buyers and provide the best mortgage products for the current climate.  

HomeReady Mortgage Program2.29.2016

Mortgage Options, Inc. is proud to offer Fannie Mae’s newest mortgage loan, the HomeReady loan. This program expands our portfolio of mortgages and allows even more people to purchase a home. We’re excited to help home buyers and real estate agents understand and take advantage of the HomeReady loan program.  

Low to No Money Down Home Loans1.12.2016

Are you looking to buy a new home in South Carolina or North Carolina? Concerned about the costs involved? Buying a new home is a big decision for anyone and the cost implications can be great, but at Mortgage Options Inc., we have 3 great mortgage programs that are low money down or even no money down to help you purchase your dream home.  



Central Carolina Clean-Up Drive10.08.2015


South Carolina Properties Located in Disaster Areas-Revised.10.07.2015

October 5, 2015 

How Will Mortgage Rates be affected with the Federal Reserve Rate Increase?9.28.2015

Mortgage Options Kick-Off Event! 9.02.2015

We had a great time last night at our Kick-Off event! Congratulations to Terry Padalino with Keller-Williams for winning Luke Bryan tickets!  

Advantages of Using a Mortgage Broker Versus a Bank8.31.2015


July Home Sale Numbers Are In!8.21.2015

July home sale numbers are in! 

Employee Spotlight: De'laine Law8.20.2015

                                                                                                                                                                                           Hi everyone! I am a Senior Loan Officer with Mortgage Options, Inc. I have been with the company since March of 2013. I relocated to South Carolina from my home state of Georgia in 2010.  I am married with 4 children and 2 grandchildren all of which live here in the Columbia area except for our oldest son that lives in Savannah. I have over 20 years of experience in Banking and Finance. What I have always loved most about my career is the opportunity to meet new people and help make their dreams a reality. There is no better reward than to see the excitement on a family’s faces when they are handed the keys to their new home. I'd love to help you get pre-qualified and get you the best deal for you! Call me anytime at 706-987-0660. I look forward to hearing from you! 



Why Millennials Should Be Buying A Home Right Now!8.19.2015


What Millennials Are Getting Right About Home Buying8.10.2015

Millennials make up the largest share of homebuyers at 32% according to the National Association of REALTORS®. That statistic alone proves that millennials are not the “renter generation” that they have been made out to be. Millennials are looking at home buying as more of an investment, and not somewhere they will live forever. But is that so much a bad thing? They are fixing homes up, improving the quality, making the homes customized to them. They are also applying those do-it-yourself projects making the renovations more affordable. This generation of home buyers are certainly different than say those buying even 10 years ago. It could be seen as less romantic, but more strategic. They are buying un-married, owing for shorter times, and flipping homes with more success. Millennials are buying closer to work, living in walkable neighborhoods, and closer to the city.  

How To Fix Disputed Accounts On Your Credit Score8.05.2015
Disputed accounts on someone's credit may hinder them on getting a mortgage loan. Disputes must either be resolved or removed. It's almost too easy to dispute an account, however getting it off your credit report is a whole different story. 
Achieve Peace of Mind with a Reverse Mortgage 8.03.2015


Gain Financial Success With These Credit Tips7.30.2015


6 Ways Relaxed Underwriting is Unlocking Mortgage Credit7.28.2015


5 Myths You Need to Know About Your Credit Score7.24.2015


New Location in Matthews, NC! 7.20.2015

We are excited to announce that our North Carolina team has moved to a new location in Matthews, North Carolina. Jennifer & Suzanne enjoyed their past year in Charlotte and they look forward to starting a new chapter in Matthews. Please feel free to stop in and see them!  

Marital Rights for Same Sex as it Relates to Mortgages7.13.2015


CFPB Delays Mortgage Disclosures Due To 'Administrative' Error6.18.2015
"WASHINGTON — After months of declining industry and congressional pleas to delay  
Realtor Appreciation Day At Our Summerville Branch11.17.2014
Another Happy Homeowner11.10.2014

Please help us welcome our newest Midlands Resident-  James Waiters! James recently transferred  back to the US after serving in the Army overseas.  Welcome home!!  We truly appreciate your service.  Patti Smith with REMAX HOMETEAM and helped James with the perfect home for his family and Dan Kadar found the perfect VA loan with an amazing rate under 4%.   

Construction Progress11.04.2014

We wanted to share our progress of the construction being done at our Columbia branch.  

Mortgage Options Expands Columbia Branch10.28.2014

Summerville, SC, July 24, 2014 – Mortgage Options, Inc., a Columbia, South Carolina based mortgage broker has opened a new location at 801 Travelers Blvd. Ste. B Summerville, SC  29485.    

Mortgage Options Expands to NC7.24.2014

Charlotte, NC, July 16, 2014 – Mortgage Options, Inc., a Columbia, South Carolina based mortgage broker has opened a new location at 11100 Park Charlotte Blvd, Charlotte, NC  28273.   

Mortgage Credit Certificate6.11.2014


Columbia Mini Maker Faire6.04.2014

Pre-Approved? Think Again. 5.13.2014


Attn: Self Employd Borrowers4.08.2014

*** Bank Statement Program for Self-Employed Borrowers *** 

Mortgage Options, Inc - USDA ZERO DOWN!3.28.2014

USDA Rural Housing Loans offer borrowers who qualify the opportunity to purchase a home in a designated rural area with no money down and credit scores as low as 580.  

Introducing COMMITMENT FIRST3.24.2014

Mortgage Options, Inc. Introduces 'COMMITMENT FISRT'! 

Home & Garden Show- This Weekend March 14-163.13.2014

Be sure to stop by the Mortgage Options booth this weekend at the Carolina Classic Home & Garden Show at the SC State Fairgounds March 14-16 

Mortgage Options- Re/Max Home Team3.11.2014

Mortgage Options is proud to announce a partnership with John Smith and Re/Max Home Team.  Come take a ride in the Re/Max balloon at the HBA Carolina Classic Home Show this weekend.  March 14 – 16. 

The Truth About Appraisals3.07.2014

The appraisal process often baffles consumers. They may feel that their home is worth a higher dollar amount, and so the appraised value doesn't always make sense to them. It is important to know that the appraiser is completely independent from lenders, buyers, sellers, and real estate agents, and that the guidelines to which they adhere are dictated by the Uniform Standards of Professional Appraisal Practice (USPAP) and Fannie Mae. In most states, the mortgage lenders must also disclose the purpose of the appraisal, as each transaction carries its own set of rules.  

What is happening with the markets that will impact rates.3.01.2014
This afternoon news out of the Ukraine and Crimea hit markets like a hammer. The DJIA was up 125 points, then fell to -45 within an hour before bouncing back into the close; the S&P and NASDAQ also saw huge swings. The 10 yr note went from 2.70% to 2.65% then eased up again while MBS prices improved then fell back to levels seen at 9:30 this morning. The point is that markets are going to remain extremely volatile next week with a lot of domestic data and global concerns. 

MortgageOptions, Inc.

USDA Rural Housing Just Got Better


Mortgage Options, Inc. has just received updated guidelines from a new investor offering USDA Rural Housing Loans with relaxed guidelines that include:

1) Eligible Credit Scores to 580

2) Swimming Pools Allowed*

3) Buyers with an Existing Home**


*Home must value for sales price without any value given for the pool
**Existing home must be located over 50 miles from new home purchase




Mario del Pino

NMLS 938420

6140 St Andrews Road

Columbia, SC 29212

(864) 237-5940

South Carolina Mortgage Rates2.26.2014

Columbia, South Carolina Mortgage News 

Welcome to the NEW Mortgage Options Website!1.27.2014

Welcome to the new, redesigned Mortgage Options website! In addition to updating our home on the web’s look and feel, we wanted to give SC homeowners an informative, friendly place to learn more about their mortgage options (and Mortgage Options, too).

That’s why you’ll find tons of information, not only about available kinds of mortgages and refinancing options, but also on the mortgage loan process, local real estates and builders in our network, and even tips and reports you can consult.

And don’t worry that we’ve provided you with just pages and pages of texts – throughout the website, we’ve got visual guides, blog updates, and an educational video library. Feel free to explore, discover, and ask us any questions you may have. We hope you enjoy the new website as much as we do!