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Select from hundreds of loan products tailored to your needs

John Babson

John Babson

Originating Production Manager I

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

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.

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Testimonials

Testimonials
5.0 out of 5.0 stars
5.0
5.0
Jennifer W
Sep 15, 2023
Verified

John is fabulous! Goes above and beyond. It doesn't matter what side of the transaction you're on, you're always kept up to speed with his weekly updates! John and Lauren at Guild are my go-to!!
Jennifer
Sep 11, 2023
Verified

John and Lauren always provide the BEST customer service. Communication is so important to me and I greatly appreciate the weekly updates. I never question the status or how we are progressing. Guild (John and Lauren) are my go to!!
Jennifer
Sep 11, 2023
Verified

John is TOPS! I have never had a disappointing experience with him. Every client I send him raves! John is always happy yo help, calm and knowledgeable.
Sarah
Aug 17, 2023
Verified

John Allen was so helpful throughout my home buying process. He was available anytime I had questions and helped me walk through several scenarios as I was making decisions regarding my home mortgage. He was a great advisor and I would recommend him to anyone looking to finance a home!
Chayla
Jul 10, 2023
Verified

I was the listing agent for this transaction. John made sure to give me a quick call letting me know things was good to go and clear to close!
Kathleen
Jul 10, 2023
Verified

John Babson was very professional and knowledgeable throughout each step of the process. He made us feel comfortable, encouraged questions, and had answers readily available for us. It was a pleasure working with him.

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NMLS ID #1594764
I am authorized to do business in the states of Georgia and South Carolina.