Caitlin Ramage

Columbia, SC

Caitlin Ramage

Loan Officer | NMLS #: 2792996

Real Reviews from Real Homebuyers

John Stirewalt

 

"Simply put, we wouldn't have been able to buy our dream house without Dan. His incredible knowledge base and encouraging personality erased any anxiety we might have had."
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Stephen

 

"Caitlin and Dan are great! We love working with Assurance!"
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Kenneth J

Wagener, SC

"Everyone that we spoke to and dealt with were polite and seemed to go above and beyond answering any questions throughout the process."
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Ethan Dwight

Lexington, SC

"Caitlin has been great from the beginnin. Throughout this process shes been very prompt and great with communication. Always keeping me updated with what steps are coming up. Very pleasant attitude easy to work with. Thank you"
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hila Whittle

 

"Dan is the absolute best guy to have on your side. He is knowledgeable and really good at what he dose. But above all he is just a wonderful person! He listens, give a good advice and always there when you need him. Doing refinancing or purchasing a home can be such a dreadful experience but Dan made it easy and pleasant. You are in good hands with him, i know I was. I couldent ask for a better agent!"
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Joseph Norris

 

"Dan Kadar and his team were an absolute breeze to work with. I’m approaching my military release date and had been working with a different lender before reaching out to Dan. Out of nowhere, I was told that I could use a VA loan, which seemed crazy to me considering I was still actively serving. I reached out to Dan, and from the very beginning, he immediately put my mind at ease. He told me he could make it right, and he absolutely did. Even though he only had about 19 days until our original closing date, Dan and his team worked quickly and efficiently and were still able to get everything done so we could close on our original date. The level of communication, professionalism, and dedication they showed throughout the entire process was outstanding. Buying a home while transitioning out of the military can be stressful, but Dan made what could have been a nightmare feel manageable. Words cannot express how thankful my family and I are for Dan Kadar and his entire team at Assurance Financial. If you’re looking for a lender who will genuinely go above and beyond for you, I cannot recommend Dan and his team enough!"
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Dani Lee

 

"They did what they said they would and worked quickly. Had all the patience in the world for my dumb questions, the long distance (I am in Charleston), and my general unavailability from my non traditional workplace. My loan officer was Caitlin Ramage. She was very professional and respectful."
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Daniel Dai Hyun

Summerville, SC

"Was available by messaging and answered promptly this greatly reduced the back and forth that is slower in email. I know I asked some dumb questions and had trouble with a lot of things but she had the patience to work through this with me. Also very respectful and considerate and thoughtful. Given the nature of my case, it was a thoughtful and kind gesture to bring a monogrammed gift with my new legal name on it"
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Jennifer Lyons

 

"I had a fantastic experience working with Dan Kadar—can’t recommend him enough to other first-time home buyers. He was incredibly responsive, thoughtful, and knowledgeable, and very patient with my many questions about the process. He has a talent for explaining complex concepts in a way that is easy to understand and helped make this whole process so much less stressful. So glad I worked with Dan and his team!"
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Kevin Shaver

 

"Merrell Johnson is the salt of the earth. I would recommend him for pretty much anything. Call him anytime. Wonderful person!"
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Rosewood Info

 

"Extremely pleased with Dan Kadar's professionalism, sense of humor and hard working mindset!"
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Sara Jennings

 

"10/10 recommend! Excellent communication, and was always there to answer any of my questions!"
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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

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

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$3,500

Monthly Payment

Real APR

0

Monthly Taxes

208

Monthly HOA

0

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

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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 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

2222 Devine Street
Columbia, SC 29205

(662) 832-1415

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Realtor Resources

Downloadable Guide for Realtors

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