Your way Home.
Big plans. A few questions.
A real person in your corner.
Buying your first place? Moving up, investing, or tapping equity? I’m Heath. My team and I will help you make sense of the mortgage part with clean planning and zero runaround, so you can focus on the life you’ll build there.
Your neighbor. Your mortgage guy.
Heath Goodrich · NMLS# 290515
“Real conversations. Straight answers. No runaround.”
Client Reviews & Stories
Verified 5-Star feedback from homebuyers across South Carolina
"They were not difficult to work with. They were very clear in explaining everything I needed to know. Their team was very supportive and was determined to lead me in the right direction to getting my loan approved. Extremely satisfied with their work."
Maurice Breaker
Columbia, SC
Home Purchase"Heath and his team were fantastic!!! They made this whole adventure easy. They did most of the research with an occasional call to me with questions. Thanks for everything!"
Amanda Williams
Lexington, SC
Home Purchase"I would like to sincerely thank Heath and his entire team, Caleb and Lisa at Lending Path, for all their help, patience, and dedication throughout the process of finding the right loan for our first home. Having a team that is willing to take the time to answer every question and explain every detail made the process so much easier and less stressful. Whenever we had a question and sent an email, Heath would often take the extra step of calling us personally to make sure our questions were fully answered. Thank you so much!"
Huvalap & Asociados
Columbia, SC
First-Time Home BuyerLet’s find a loan that fits your life.
Buying your first place, self-employed with tax write-offs, or expanding an investment portfolio? We offer specialized loan programs designed for real-world scenarios.
USDA Home Loans
100% financing with zero down payment for eligible rural and suburban South Carolina properties. Competitive rates and low monthly mortgage insurance.
Explore USDA LoansDown Payment Assistance
Arrive Home DPA (3.5% or 5% forgivable or repayable) plus the SC Housing $10,000 DPA (forgivable after 15 years). Buy with minimal out-of-pocket cash.
Explore DPA ProgramsDSCR Investor Loans
Qualify strictly on the property's rental cash flow. Zero personal employment verification. Close in an LLC and scale your rental portfolio fast.
View DSCR FinancingConventional, FHA & VA
Traditional low-down options including 0% down VA loans for military families and conforming 3%–3.5% down conventional and FHA programs.
See All Loan ProgramsFind Your Perfect Loan Match
Answer a few quick questions and we'll show you which programs fit your needs best.
What is your primary goal?
Tailored South Carolina Mortgage Solutions
Whether you're buying your first home in Columbia, relocating to Charleston, or refinancing in Greenville, we customize loan strategies to fit your goals.
Buy a Home
Buying a home in South Carolina should be exciting and stress-free! Heath Goodrich and team offer conventional, FHA, VA, USDA, and jumbo loans.
EXPLORE HOME BUYINGFirst-Time Buyer Guide
Step-by-step guidance for your first home purchase in South Carolina, including SC Housing down payment assistance programs.
FIRST-TIME BUYER GUIDERefinance Options
Lower your monthly payment, adjust loan terms, or tap into your home's equity for debt consolidation or improvements.
REFINANCE OPTIONSMeet the Heath Goodrich Lending Team
Dedicated professionals serving Columbia, Lexington, and homebuyers across South Carolina with clean planning, speed, and genuine care.
Heath Goodrich
Regional Manager
NMLS# 290515
With over 26 years of mortgage experience in South Carolina, Heath leads the team with a commitment to fast communication, clean planning, and a relationship-first approach that makes home financing stress-free.
Caleb Andes
Loan Partner
NMLS# 39641
Caleb focuses on guiding first-time homebuyers and military families through FHA, VA, and SC Housing down payment assistance options with patience and clarity.
Lisa Brasseur
Loan Processor
Lisa brings exceptional attention to detail and personalized care to every file, making sure buyers and agents receive prompt updates and smooth closings.
South Carolina Mortgage Calculator
Estimate your monthly payments to see how much home you can afford.
Mortgage Calculator
Estimate your complete monthly mortgage payments
Heath Goodrich
Regional Manager | NMLS# 290515 | Lending Path Mortgage
My name is Heath Goodrich and I am proud to be your mortgage resource in South Carolina. With over 26 years of experience in the South Carolina real estate market, I have developed an invaluable network to help you find the best possible mortgage for your financial situation.
My team and I serve the entire state of South Carolina and have resources to lend across 38 states nationwide. Our goal is to create a clear mortgage plan while delivering a fun, stress-free experience for every client we serve.
We understand consumers face choices when picking a lender. Rest assured, our pledge to you is unwavering communication and support every step of the way. Let us help you on Your Way Home™!
Core Loan Programs
- Conventional Loans
- FHA Loans & Low Down Payment
- VA Loans (0% Down for Veterans)
- USDA Rural Development (0% Down)
- SC Housing Down Payment Assistance
- Jumbo & Custom Luxury Loans
- First-Time Homebuyer Guidance
- Rate & Term Refinance
- Cash-Out Home Equity Loans
- Second Home & Investment Property
Why Work With Heath Goodrich & Lending Path?
What makes us different is simple: fast communication, clean planning, and a relationship-first approach that keeps things calm and straightforward.
South Carolina Local Experts
Deep knowledge of Columbia, Lexington, Greenville, Charleston, and statewide SC Housing guidelines.
Clean Planning & Strategy
Clear mortgage plans mapped to your exact budget with transparent closing details.
Fast Communication
Never left guessing — instant updates by phone, text, or email whenever you need us.
Relationship-First Approach
We build long-term relationships with homebuyers and referral partners that last long after closing.
460+ 5-Star Reviews
Top-rated on Google and Zillow with verified 5-star ratings from South Carolina buyers and homeowners.
Your Way Home™
Dedicated to guiding you every step of the way to stress-free homeownership.
The Loan Process
From "where do I start?" to "we're home" — here is what comes next.
1. Pre-Approval
We'll review your financial situation to determine exactly how much you can afford and provide a pre-approval letter.
2. House Hunting
Partner with your real estate agent to find the perfect home that fits your budget and needs.
3. Loan Application
Once your offer is accepted, we'll collect the necessary documents and officially start your loan application.
4. Processing & Underwriting
Our team verifies your information, orders the appraisal, and ensures everything meets the loan guidelines.
5. Clear to Close
The underwriter gives the final approval! We'll send you the final numbers so you know exactly what to bring to closing.
6. Closing Day
Sign the final paperwork, get your keys, and celebrate your new home!
Wondering about a few things?
You're in good company. Here's a clear breakdown of common questions.
Let's make room for your next chapter.
Ready when you are. Start your application, or give me a call and let's talk it through.
Call or Text Heath
Get immediate answers directly from Heath Goodrich or our South Carolina loan team.
Start an Application
Ready to move fast? Complete our secure online mortgage application to begin your South Carolina pre-approval.
Start Application