Evans · Martinez · Grovetown · Harlem · Appling
Home loans for Columbia County: Evans, Martinez, Grovetown, and beyond
Columbia County grew about 26% between 2010 and 2020, to 156,010 residents, and it keeps growing. Whether you are buying your first home, moving up, or refinancing, we can help you compare your options.
Licensed mortgage broker in Georgia & South Carolina · NMLS #2694379
Who we help in Columbia County
From established neighborhoods in Martinez to newer subdivisions near Grovetown, buyers here have different needs.
Buyers in Evans and Martinez
Conventional, FHA, and jumbo loans for first homes, move-up homes, and larger properties across the county’s most established communities.
Explore home purchase loansGrovetown and Fort Gordon families
Grovetown sits next to Fort Gordon, and many buyers there use VA loans. We can explain how a VA loan compares with other options.
VA loans near Fort GordonRural Appling and Harlem
Some more rural parts of the county, such as areas around Appling and Harlem, may qualify for USDA home loans. Eligibility is by property address.
First-time buyer programs
What to know about buying in Columbia County
A few county details affect your taxes and loan options.
Cities and unincorporated communities
Grovetown and Harlem are incorporated cities. Evans, Martinez, and Appling are unincorporated communities. Appling is the county seat, and most county offices are in Evans.
Homestead exemption
If you own and live in the home on January 1, apply for the homestead exemption with the Columbia County Tax Commissioner’s office by April 1. Voters approved a larger regular homestead exemption in November 2025. Columbia County tax exemptions.
Senior exemptions
Columbia County offers additional exemptions for seniors, including a full school tax exemption on the home and up to three acres for homeowners 70 and older, with no income limit, and an age-62 exemption with an income limit.
USDA loan eligibility
USDA loans can be an option in eligible rural areas. Evans, Martinez, and Grovetown generally don’t qualify, but parts of the county around Appling and Harlem may. Check an address on the USDA eligibility map.
Communities we serve
We are an Augusta-area mortgage broker and meet Columbia County clients by phone, video, and in person.
- Evans
- Martinez
- Grovetown
- Harlem
- Appling
- Augusta
- North Augusta
Common questions
Columbia County mortgage questions
Is Evans a city?
No. Evans and Martinez are unincorporated communities in Columbia County. Grovetown and Harlem are the county’s incorporated cities.
Where do I apply for a homestead exemption in Columbia County?
Apply with the Columbia County Tax Commissioner’s office by April 1. You must own and live in the home on January 1 of that year.
Can I get a USDA loan in Columbia County?
Possibly, in eligible rural areas such as parts of Appling and Harlem. Evans, Martinez, and Grovetown generally don’t qualify. Eligibility is checked by address.
Do seniors get property tax breaks in Columbia County?
Yes. Homeowners 70 and older may be fully exempt from school taxes on the home and up to three acres, and there is an age-62 exemption with an income limit. Confirm details with the county.
Start here
Talk with us about your Columbia County home
Tell us where you want to live or what you want to change about your current mortgage. We will follow up to talk through your options.
Important: This page is educational and is not financial, legal, or tax advice, or a commitment to lend. All loans are subject to credit approval, property eligibility, and program requirements. Mortgage Capital Services is not affiliated with or endorsed by any government agency. Program rules, limits, and property tax exemptions are set by government agencies and can change; confirm details before relying on them. Mortgage Capital Services, LLC NMLS #2694379 · Billy D. Peel NMLS #332044 · Samantha S. Peel NMLS #2685482 · Licensed in Georgia & South Carolina · Equal Housing Opportunity.