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Your hometown mortgage experts!

Flow Mortgage, based in Irmo, South Carolina is a leading mortgage brokerage known for tailored financial solutions. Dedicated to customer service, the firm provides an array of loan options to meet diverse client needs. Beyond providing innovative mortgage products, Flow Mortgage is deeply invested in the local community. It encourages team engagement in community service and contributes to the betterment of the Columbia area. In essence, Flow Mortgage isn’t just a brokerage - it’s a community partner committed to client success and local betterment.

First-Time Home Buyers

Buying your first home? We offer the guidance you need to get started.

Mortgage Walkthrough Guide

Get educated! Learn exactly what occurs in every step throughout the mortgage process.

Mortgage Calculator

How much can you afford? What does that monthly payment look like? Find out here.

Home Loan Options

We’re here to help you figure out which mortgage best fits your unique financial picture.

Get started by using one of our FREE tools!

Josh Collins

President //  NMLS #211219

Josh Collins, President of Flow Mortgage in Columbia, South Carolina, has been helping customers afford the home of their dreams for almost 2 decades and loves what he does. Josh has quickly made a name for himself through his analytical prowess, problem-solving skills, and empathetic client service.

At Flow Mortgage, Josh has created a client-first culture, propelling the company’s growth and reputation for innovative loan solutions. He also champions community involvement, encouraging his team to support local initiatives.

Outside work, Josh is devoted to his family and enjoys exploring the outdoors of South Carolina. He is a community advocate and family man, setting high standards of excellence and integrity in the mortgage sector. 331-1716

Why work with us?

If you close a loan with any lender for a lower combination of interest rate, fees, and monthly mortgage insurance—we’ll send you a $1,000 check!

FLOW Mortgage stands unafraid to offer our FLOW $1,000 Lowest Rate & Fees Guarantee. We’ve done our homework and shop the competition regularly. As an independent South Carolina mortgage broker, we shop our premier network of wholesale lenders to find you the absolute lowest combination of rate and fees. In addition, we also simply make less on every loan.

What we lose in margin on each deal, we make up for in volume. We have a unique, low-cost business model that other lenders simply can’t compete with. These are the reasons we have such rock-bottom rates and why we confidently offer our $1,000 Lowest Rate & Fees Guarantee. Other banks, credit unions, and mortgage companies will not guarantee they have the lowest rates and fees, simply because they don’t have the lowest rates and fees–and they know it.

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Mortgage Loan

How the process works



There are a few critical documents we will need to verify to start your process.



The appraisal ensures the home you are buying is worth the price that is being offered.


Initial Underwriting

The Underwriter will verify that all information is accurate and authentic.


Conditional Approval

Conditional Approval is granted when the Underwriter approves the loan under certain conditions.


Clear To Close

The Underwriter verifies that all documentation has been provided and all conditions have been met.



Signing the final documentation and receiving the keys to your new home!