Contact Me

Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

Lamont Watson

Lamont Watson

Branch Manager

One Harbison Way, Suite 110, Columbia, SC 29212
Own what matters
Own what matters

About Me

The Watson Team believes homeowners, both current & future, should be comfortable with the loan process and confident knowing their loan product best suits their family's goals. Since 2004, I've enjoyed making our communities stronger by partnering with over 1500 families to achieve homeownership or financial goals. In 2020, our team's effort allowed us to surpass the $50 Million volume milestone. Our goal is to increase the number of happy families we successfully close annually. My team and I are excited about the opportunity to work with you!

Now, I seek to share my expertise with new & seasoned mortgage professionals. Through hands-on coaching, mentorship, and access to cutting-edge tools and resources, I am committed to every team member's success. Join our team of professionals, or let me show you how to build your own. Together, we can make this year and beyond exceptional! Let's talk!

Read Blog

Meet my team

Team Logo

I work closely with my team of specialists to get you the financing you need. See what each member brings to the team.

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.



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.


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



4.95 out of 5.0 stars
Jan 12, 2024

The Lamont Watson team was very professional and friendly, any time I had question or did not understand something he responded quickly. He helped me back in 2017 with first home. To this day the Guild Mortgage Company have a excellent Loan Officer and his team to represent them.
Danielle A
Jan 04, 2024

Lamont Watson is truly a Super Star Loan Officer. He is an expert in the lender field and makes the loan process smooth. Lamont is also an expert in many different buyer programs to assist with closing cost. If you are on the market to purchase a home and you want the Best Contact Lamont Watson !!
Dec 29, 2023

Lamont was outstanding! He was available and worked tirelessly to help us secure our home. He provided great service and had a great team to help. We are so grateful for their hard work.
Judy B
Nov 23, 2023

Nothing but caring and professional!
Nov 22, 2023

Guild was my second choice for financing my home loan. After much frustration with my other lender I reached out to Lamont and his team. When I tell you they welcomed me back with open arms, as if I'd never left. The Guild team worked my files and got me closed in less than two weeks. I've never worked with a team of where I could feel their heart and the love they have for what they do. The small bumps that we were faced with, was nothing we as a team just climbed over them and kept going. My loan closed and I move in tomorrow. Thank you, thank you, thank you. I know the amount of work you and your team did to help me realize my dream. Blessings and happy holidays to each of you. I will be recommending your company whenever I can.
Oct 24, 2023

Lamont Watson of Guild Mortgage walked future homeowners through an informative, no-nonsense session on homeownership. The materials and guidelines provided made the process seemless without setbacks or surprises. We were well prepared and were homeowners two months! Your road to being owner make take more or less, but you will be well on your way and prepared with Lamont Watson and Guild Mortgage!

Video gallery

View More


awards awards

Causes I'm
passionate about

causes causes
NMLS ID #474326
I am authorized to do business in the states of Georgia, North Carolina and South Carolina.