Columbia, SC

Caitlin Ramage

Loan Officer | NMLS #: 2792996

Real Reviews from Real Homebuyers

Kayla C

Columbia, SC

"Dan was very thorough and professiona. he kept me updated throughout the entire process and worked quickl."

Loan Officer

Dan Kadar
Jennifer M

Irmo, SC

"Brad was so helpf with the process of purchasing our new home."

Loan Officer

Brad Hepps
Debra

St. Augustine, FL

"Great communication"

Loan Officer

Matthew Dailey
Heather

Lexington, SC

"100% Hands Down the Best!"

Loan Officer

Merrell Johnson
Patrick

Johns Island, SC

"Constant communication and no BS. If I had a question, she had an answer for it and quickly."

Loan Officer

Michele Rodgers
Justin M

Nashville, TN

"Expert knowledge, fast communication, and superior service."

Loan Officer

Patrick Roberts
Nina G.

Kinards, SC

"You went above and beyond to make sure our loan closed correctly."

Loan Officer

Dan Kadar
Ricky Daral

Irmo, SC

"Brad was ve helpful and stayed on top of our loan."

Loan Officer

Brad Hepps
Jenny

Goose Creek, SC

"Communication was excellent such a smooth transaction. A win for all sides!!"

Loan Officer

Matthew Dailey
Timothy

Swansea, SC

"Merrell is the best! He guided us through the whole process!"

Loan Officer

Merrell Johnson
Savion

Columbia, SC

"Michele was AMAZING to work with!!"

Loan Officer

Michele Rodgers
Jaysen

Columbia, SC

"Patrick did a great job with getting me approved. He walk me through the process and everything went smoothly."

Loan Officer

Patrick Roberts
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Crunch The Numbers!
Estimate Your Payment

Get an idea of what your monthly payment may look like. For a full estimate, call me, your mortgage expert!

Call Caitlin

$
years
$
$
%
%

Your LTV is less than 80%, so you will not need to pay PMI.

$
$

3,500

Monthly Payment

Real APR

0

Monthly Taxes

208

Monthly Insurance

50

Monthly PMI

0

Monthly Principal and Interest

0

Calculators provide estimates only. Estimates shown should not be considered exact payments. Contact your local loan officer for precise and personalized information. See full legal disclosures.

Legal Disclosures

The AFG mortgage calculator is for estimation purposes only. Results do not reflect all loan programs and are subject to individual program loan limits. Qualification, rates and payments will vary based on timing and individual circumstances. This is not a commitment to lend.

Here’s a payment example based on an average home price and the most common loan type:

Loan amount: $300,000
Loan type: 30-year Fixed-Rate Loan
Interest rate/APR: 7.375% (7.692% APR)
Monthly payment: $2,072.03
Points: 1.875 points, costs due at closing
Loan-to-value (LTV): 80.00%

One point is equal to one percent of your loan amount. Payment does not include taxes and insurance. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply. Rates shown are valid on publication date of April 18, 2024.

1If you didn’t enter taxes and insurance amounts, an estimate of your taxes is based on the state selected. This does not include all fees.

Resources

Downloadable Guides

We’ve created these guides to be a valuable resource to walk you step-by-step through your next adventure.

About Caitlin

For more than a decade, I dedicated my career in higher education to guiding students through some of the most important decisions of their lives—college admissions, academic pathways, and long‑term career planning. I loved helping people understand their options, remove uncertainty, and move confidently toward their goals.

Today, I bring that same commitment to clarity, education, and empowerment to my work as a Loan Officer. Whether my clients are buying their first home, building their dream home, refinancing to improve their financial future, or renovating a space they love, I believe every borrower deserves to feel informed, supported, and understood.

My background as an educator shapes everything I do:

  • I break down loan programs and processes in a way that makes sense.
  • I ask the right questions to understand my clients’ unique goals.
  • I provide guidance rooted in transparency, compassion, and expertise.

Helping people achieve homeownership is more than a transaction for me—it’s a chance to make a meaningful impact in my community. Every family I serve represents a new chapter, a new opportunity, and a home where dreams can grow.

When I’m not helping clients, you’ll find me connecting with referral partners, supporting local events, or exploring ways to make the homebuying process smoother, clearer, and more empowering for everyone. When I’m not helping clients, you’ll find me chauffeuring my three kids to and from school, events, and activities. We love to go to parks, playgrounds, and our local library on the weekends!

Videos

My Services
  • New Home Purchase Loans
  • Refinance Loans
  • FHA and Rural Development Loans
  • Veteran (VA) Loans
  • Construction and Renovation Loans

Send Caitlin a message

2231 Devine Street
Suites 102A and 102B
Columbia, SC 29205

(662) 832-1415

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Free Realtor Tools

My Realtor partners get free access to marketing tools such as single property websites, open house flyers, database management software, and more! Email me to get started.

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Realtor Resources

Downloadable Guide for Realtors

This helpful mortgage guide is a great resource for our partners. Check it out!

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