Elizabeth Kelly

Mortgage Banker

NMLS #: 664132

4132 Forest Drive, Columbia, SC 29204

About Elizabeth Kelly

With nearly three decades of experience in the mortgage industry, Elizabeth Kelly brings a rare combination of expertise, dedication, and personal care to every client relationship. A mortgage loan officer since 1996, Elizabeth has guided countless individuals and families through one of the most important financial decisions of their lives, helping them find the right loan and the confidence to move forward. Elizabeth’s background in English from the University of North Carolina at Chappell Hill gives her a distinct edge in an industry where clear communication matters. She has a gift for breaking down complex mortgage concepts into plain language, ensuring her clients always feel informed and empowered throughout the process. Based in Columbia, South Carolina, Elizabeth is deeply connected to the community she serves. When she’s not helping clients achieve their homeownership goals, you’ll find her in the saddle. An avid equestrian who appreciates the patience, discipline, and trust that comes with working alongside horses. Whether you’re a first-time buyer or a seasoned homeowner, Elizabeth Kelly is the experienced, communicative partner you want in your corner.
Couple buying a home with an FHA Loan

FHA Loans

A Great Option for First Time Home Buyers

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Individual and family homebuyers assistance funding

Opportunity Advantage

Assistance for Qualified Home Buyers

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First-Time Buyer Resources

  • Resources for first-time homebuyers
  • Tips for improving your credit score
  • Get information on pre-qualifying
  • Learn about the loan process
  • Find a checklist of information you'll need to gather
  • Learn about Down Payment Assistance programs
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Recent Reviews

5 stars
Google   •   SouthState Bank
07/01/2026
I recently purchased my first home through Elizabeth Kelly at South State and couldn’t be happier with whole process. From the initial application to closing, Elizabeth kindly and patiently answered all of our questions and supported us throughout the entire process. I highly recommend Elizabeth and South State!
5 stars
Google   •   SouthState Bank
06/29/2026
Elizabeth was great in helping us buying our first house! She provided great direction and recommendations as first time home buyers.
5 stars
Google   •   SouthState Bank
06/03/2026
Elizabeth was fantastic to work with for our home loan. Very responsive, worked to get us the best rate possible, and walked us through the entire process despite our many questions. Highly recommend!

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