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Select from hundreds of loan products tailored to your needs

Sam Cullum

Sam Cullum

Loan Officer

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

About Me

For 20 years, I have made proactive communication with a customer-centric approach a top priority. I am here to help you provide concierge-level service to your clients…let my team and me show you how!

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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
4.99
5.0
Kaylee
May 28, 2024
Verified

I loved how I could text Sam any question I had and he replied very quickly!
Jessica
May 28, 2024
Verified

Friendly, professional, and efficient. Pleasure working with Sam and his team!
Harold
May 28, 2024
Verified

I enjoyed the periodic updates from Sam...very helpful and I was always informed
Janet
May 28, 2024
Verified

Everything. Thanks, Sam. I look forward to working with you in the future.
Paul
May 06, 2024
Verified

Easy. You guys worked behind the scenes for us. Appreciate it.
Jennifer
May 06, 2024
Verified

Great communication and answered all our questions.

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NMLS ID #2280215
I am authorized to do business in the states of Florida, North Carolina and South Carolina.