Contact Me

Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

Heyward Cathcart

Heyward Cathcart

Branch Manager

1751 St. Julian Place, Columbia, SC 29204
Own what matters
Own what matters

About Me

With a combined 50+ years experience in mortgage and financial services my team and I are committed to finding the right home loan for each of our clients. Our loans are all processed and underwritten locally in our office, allowing us to deliver a consistent process and on-time closings. Our goal is always to provide the strength of a big company with the accessibility of a small one.

My "Find a Loan" section of this website can be used to find information and resources on our home loan options. Please feel free to contact me directly with any questions. We look forward to working with you!

Read Blog

Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

Your home loan insights

Already a homeowner?
Find out what your home is worth and see how your equity can work for you.

Get your home estimate

X

Testimonials

Testimonials
4.97 out of 5.0 stars
4.7
5.0
4.97
4.99
Lisa
Jun 04, 2024
Verified

See the previous filled in questions.
Michael S
Jun 04, 2024
Verified

Guild Mortgage thinks of everything. Very easy to work with (through multiple offers) and keeps everything in order for a seamless closing. Will definitely refer other clients in the future.
Michael
Jun 04, 2024
Verified

Made the homing buying process very simple and painless.
Laura F
Jun 04, 2024
Verified

Seamless transaction from start to finish! Thank you for taking such great care of our buyers Heyward and team!
James
Jun 04, 2024
Verified

I enjoyed working with Heyward’s team! They answered all questions I had and led me to best financial decisions for my family’s new home. Looking forward to working with them more in the future!
Marie
Jun 04, 2024
Verified

Super knowledgeable and responsive.

Video gallery

View More

Awards

awards awards awards

Causes I'm
passionate about

NMLS ID #474230
I am authorized to do business in the states of North Carolina and South Carolina.