Get the Right Home Loan for Your Budget and Lifestyle

You need more than a lender, you need expert mortgage advice & guidance
Schedule a consultation




Whatever your life season,
your home matters.

Whether you’re buying for the first time, downsizing to a more manageable space or planning a renovation, you need access to cash. But a mortgage comes with questions:

● How much money do I need to afford the home I want?
● What’s affordable and comfortable for my budget?
● What am I qualified for based on my current income?

You need access to all the available financing options so you can make the best decision.

You Wouldn’t Settle on Your Home Purchase. Don’t Settle on Your Loan.

Most people don’t realize they have multiple options when it comes to a mortgage. You don’t have to sign the first loan presented to you.

At Covenant Mortgage, we sit down face to face to review your current financial situation and determine which loan makes the most sense. For more than 25 years, Bob Rankin has been advising clients on the entire loan process. Mortgages are about more than interest rates.

You need to look at all the terms of the loan and the repayment process and timeline. Can you truly afford this loan?

Let’s answer that question together.

Mortgage Consulting for Homeowners
and Buyers in the Midlands 

A lot of lenders only care if you’re pre-approved for a loan. They don’t take the time to help you determine if that loan is the very best fit for your situation.

We consult with you on the many financing choices: 




  VA Loan

  FHA Loan

 Conventional Mortgage

  Fixed-Rate Mortgage

  Adjustable-Rate Mortgage

  Debt Consolidation

3 Steps to Choosing the Right Mortgage Loan

We keep the process as simple as possible. In fact, it’s often easier than choosing
the right shade of “white” for your house.

Schedule a consultation

Together we’ll review your current finances to see what kind of loan fits the home – and lifestyle – you want.

Review your options

We’ll present a variety of options, walking you through the terms of each loan so you make an informed decision.

Keep the lifestyle you love.

When you have a mortgage that fits, you get the home you want and the home you can afford.

The Right Mortgage Equals Happy Clients 

” I cannot recommend Bob Rankin enough! Working with Bob was such a great experience as a first-time homebuyer. He’s incredibly knowledgeable and really easy to get a hold of at any time of day. The numbers he provided me for planning purposes were spot on, so there were no surprises throughout the process. Also, all of the documents I had to sign were done online, which made the process really easy. I recommend Bob to everyone I can! “

Conor McMahon

” From our first appointment with Bob, we knew there was no one else we wanted to work with. He took the time to explain all of our options and put our minds at ease about the mortgage process. As we progressed, Bob kept us informed throughout the entire process. When I would have a temporary moment of anxiety, all I’d have to do is call Bob and he would put my mind at ease immediately. Bob would say, “Let me get the gray hairs, not you.” They are professional, knowledgeable, and genuinely care about their clients. We always knew they had OUR best interests at heart. “

Jennifer Wells

” Bob Rankin made buying a home easy! From the beginning, Bob walked us through our options explaining every line item, cost, scenario, etc. He explained everything thoroughly and answered all of our questions promptly! Bob went above and beyond to find us the best insurance and made sure we felt comfortable every step of the way! I have recommended Bob and his team to many and will continue to recommend him to others! “

Kylie LeVielle

Why Work with Covenant Mortgage?

Mortgage lenders are everywhere. You can get a loan from your bank or apply for a mortgage via a mobile app. But should you trust such a major commitment to someone you don’t know and who certainly doesn’t know you and your financial situation?

We take the time to understand your finances – today and in the future. We learn about your goals and long-term plans. All of those factor into what kind of mortgage you need and can afford.

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We’ll give you straight answers and honest advice – even if that means not working with us. 

We stand confident in our process. We care about you as a client and as a neighbor here in the Columbia area. If we dish out bad advice, we run the risk of an awkward encounter at the grocery store. No one wants that. We prefer hugs and high-fives. 

Ready to work together? 

Get the money you need.
Keep the lifestyle you love.

Without the proper guidance, you could end up locked into a long-term mortgage you can’t afford. You’re living beyond your means, unable to afford anything except your monthly mortgage payment.

That’s no way to live. Instead, get a clear picture of all the available financing options. Armed with choices and honest advice, you make a decision that works for you.

How to Use Your Home Equity

How to Use Your Home Equity

One way to access cash quickly is to tap into your home’s equity. However, when you’re borrowing against your home, it’s important to proceed with caution and to understand your options. Some of the common options for accessing your home's equity include: Cash-out...

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Is it Time for Debt Consolidation?

Is it Time for Debt Consolidation?

When you have outstanding debt, from auto loans to student loans to credit cards, it can be hard to keep up with payments and balances. You may find that debt consolidation can help you streamline your finances, but it’s not going to fix your underlying financial...

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What is an Adjustable Rate Mortgage?

What is an Adjustable Rate Mortgage?

If you’re shopping for a home, it’s important that you know what an adjustable rate mortgage, often referred to as an ARM, is. This is a home loan that has a variable interest rate. The initial interest rate is fixed for a specified period of time. After that, it will...

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