Sam Cullum

Sam Cullum is a mortgage loan officer with Guild Mortgage in Columbia, SC, helping homebuyers throughout Lake Murray, Lexington, Aiken, and the Midlands, as well as borrowers across SC, NC, and GA. He works with first-time homebuyers, move-up buyers, veterans, self-employed borrowers, and investors, offering conventional, FHA, down payment assistance, bank statement, and DSCR loan options.

Known for clear communication, patience, and creative problem-solving, Sam takes a steady, educational approach to lending. He believes borrowers should understand their options and feel confident about the decisions they're making; not overwhelmed by the process.

Outside of mortgages, Sam enjoys running, working out, golfing, and starting the day with a good book. His appreciation for stories of perseverance and resilience reflects the same mindset he brings to his clients: stay prepared, keep moving forward, and have a clear plan for reaching the goal.