Call: 803-404-3667 | Email: vcooke@citizens1stmtg.com | Licensed In SC

Over 20 Years Experience In The Industry

Estimate Your Payment

$

5%

1%

5%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Serving South Carolina!

Citizens First Mortgage Lending, LLC has been in business since 2018 with loan officers having experience of over 20 years in the industry, providing the best options for purchasing or refinancing your home loans!

Get Pre-Approved!

 Take the next step to buying your home or refinancing. Someone will contact you after completing your loan inquiry. 

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ABOUT US


We pride ourselves on transparency and honesty from start to finish. We work as a team with the borrower providing constant communication to assure a smooth closing.

Our specialty is finding the lowest rate and best program that fits your specific needs. We have some of the most highly trained and skilled loan professionals in the business that specialize in problem solving.

Our Vision

Citizens First Mortgage Lending, LLC has been in business since 2018 with loan officers having experience over 20 years in the industry. Providing the best Options for purchasing or refinancing your home loans!


We pride ourselves on transparency and honesty from start to finish. We work as a team with the borrower providing constant communication to assure a smooth closing.

Our specialty is finding the lowest rate and best program that fits your specific needs. We have some of the most highly trained and skilled loan professionals in the business that specialize in problem solving.

Visit us

115 Atrium Way Suite 126 Columbia, SC 29223

Call us

803.764.0418

Contact us

vcooke@citizensfirstmtg.com

Equal Housing Lender | NMLS# 286409 | Company NMLS# 1776937

CFML's loan officers

Valerie D. Cooke has been in the mortgage industry for 17 years. She started her career as a loan officer in 2002.

Since that time Valerie has worked as a loan officer, loan originator, mortgage banker and a wholesale account executive. Her dedication to her clients is un-comparable.

The experience she has in this industry allows her to quickly and smoothly resolve issues as they arise. Every client is her priority, she guides them through the process from start to finish.She has built her foundation on faith, honesty, integrity, transparency and communication.

Valerie attended the American College of Financial Service. She is married with two young men in college. In her free-time she enjoys going to basketball games and
being her boys’ number 1 fan!

Let Valerie give you the home buying experience you Deserve-Give Her A Call Today!!

loan products

  • FHA Loans

    FHA Loans are insured by the Federal Housing Administration Benefits:
    Lower credit scores accepted
    Low Down Payment- 3.5% of the sales price (can be a gift from family).
    Lower Interest Rate

  • VA Loans

    VA Loans is guaranteed by the Depart of Veterans Affairs
    You must be eligible for a VA loan-this is determined by the Certificate of Eligibility.
    100% Financing- no down payment
    Lower interest rate
    No monthly mortgage insurance

  • USDA Loans

    USDA Loans-are mortgage loans backed by the US Dept of Agriculture as part of its USDA Rural Development Guaranteed Housing Loan Programs.
    The property must be in a USDA approved area.
    100% Financing-no down payment
    Lower interest rate
    First time home buyers and repeat home buyers
    Mortgage insurance rates are lower than other programs

  • Conventional Loans

    Conventional Loans- not a government backed loan, however Conventional Loans must adhere to guidelines set by the Federal National Mortgage Association-Fannie Mae and the Federal Home Loan Mortgage Corporation-Freddie Mac.
    3% down payment
    No PMI with 20% down
    Less paperwork-quick turn-time

Call us

1-803-764-0418

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Equal Housing Lender | NMLS# 286409 | Company NMLS# 1776937