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Best Mortgage Refinance Companies in North Charleston, SC

Our Recommended Top 14

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored North Charleston Mortgage Refinance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

70Reviewed

47Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2000 Sam Rittenberg Blvd, Suite 2020, Charleston, SC 29407
WebsiteLicense: 46375

Expertise.com Rating

Review Sources

Google
4.9 (826)
Facebook
4.9 (200)
Yelp
3.5 (3)

Why choose this provider?

Tabor Mortgage Group provides services to clients in Charleston and the surrounding areas. It offers mortgage refinancing solutions to help clients reduce their loan terms, lower their interest rates, obtain cash back and home improvement funds, and remove mortgage insurance. It also serves first-time homebuyers wishing to apply for conventional, USDA, VA, and FHA programs to purchase a residential property. Construction loans are also available for individuals and families wanting to build new homes or add rooms to their properties.

  • Reverse Mortgages

North Charleston, SC
WebsiteLicense: 67717

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

CapCenter helps mortgage clients in North Charleston to refinance their existing loans. Its consultants lend their expertise to clients to help them make wise financial decisions, including refinancing. Besides refinancing, the agency’s loan options include Fixed, FHA, VA, ARM, and Jumbo loans. In addition to mortgages, CapCenter assists clients in buying and selling their homes with help from a local market expert. The agency’s entire process is transparent from beginning to end, ensuring that clients know what they are getting into when taking refinance loans.

  • Reverse Mortgages

130 River Landing Dr., Suite 1-D, Daniel Island, SC 29492
WebsiteLicense: 279716

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

New South Mortgage Corporation has been dealing with North Charleston clients since 1998. The company provides assistance to homeowners refinancing their mortgages. It structures loan programs that allow clients to reduce their interest payments or lower program term length. The company also offers various loan options for first-time homebuyers, including VA, FHA, and USDA mortgages. Owner and founder James “Jamie” Culler Jr. previously worked as a loan officer at the firm Prime Financial Group. He volunteers at the non-profit organization Habitat for Humanity.

  • New Construction
  • Reverse Mortgages

4900 O'Hear Avenue Offices 110 & 111, North Charleston, SC 29405
WebsiteLicense: 1118205

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Ronda Hammang works with homeowners in North Charleston. She assists with mortgage refinancing to help clients achieve their homeownership and financial goals. Hammang also serves first-time homebuyers by helping them choose from various loan programs, such as USDA, FHA, VA, and conventional loans. Resources are available on her website, including loan calculators, for the customers' convenience. Hammang is an AnnieMac Home Mortgage branch manager. She has worked in different parts of the real estate business for more than 20 years. 

  • New Construction

2557 Aahley Phosphate Rd, North Charleston, SC 29418
WebsiteLicense: 1728740

Expertise.com Rating

Review Sources

Google
5.0 (410)
Facebook
5.0 (151)

Why choose this provider?

Home Loans Inc. is a North Charleston-based mortgage brokerage. It assists clients seeking mortgage refinancing options to reduce their monthly payments, pay off a home loan faster, and consolidate high-interest debts. The company also offers lending programs tailored to first-time homebuyers and those who desire to acquire high-end homes. Firm owner Jason Sharon is a retired U.S. Navy veteran who founded the business in March 2015. He has been featured on Forbes, Yahoo Finance, and Money.com.

  • Multi-Family Loans

2557 Ashley Phosphate Road, North Charleston, SC 29418
WebsiteLicense: 2011652

Expertise.com Rating

Review Sources

Google
5.0 (24)
Facebook
5.0 (10)

Why choose this provider?

Mija Mortgage serves residents in the North Charleston metro and the surrounding areas. It provides homeowners with mortgage refinancing services and allows them to borrow money against the equity in their homes, consolidate their debts, lower their monthly mortgage payments, and get low-interest rates. It also has VA loans available for military members and veterans. In addition, the company has access to 50 lenders and helps clients prepare the documents they need to secure their loans.

  • New Construction
  • Reverse Mortgages

1322 Rutledge Ave, Charleston, SC 29403
WebsiteLicense: 1749329

Expertise.com Rating

Review Sources

Yelp
5.0 (8)

Why choose this provider?

Charleston Mortgage Lender is a team of loan officers that has been in the industry for more than 35 years. The residential mortgage-focused brokerage assists North Charleston homeowners in refinancing to obtain new loan terms. It also finds mortgage solutions that fit the needs of first-time and seasoned property investors in 13 other states. Charleston Mortgage Lender makes monthly donations t local causes, including Lowcountry Food Bank, Leukemia & Lymphoma Society, and Toys for Tots.

  • New Construction
  • Reverse Mortgages

4401 Belle Oaks Drive Suite 210, North Charleston, SC 29405
WebsiteLicense: 447379

Expertise.com Rating

Review Sources

Google
4.9 (139)
Facebook
5.0 (15)

Why choose this provider?

Peoples Bank Mortage is a company based in North Charleston. It provides a refinancing option that goes through the conventional mortgage or mortgage terms loan process of application, approval, and closing. The firm also offers a pre-approval checklist that guides home buyers and owners in gathering information about filing and claiming loans. Since 1908, Peoples Bank Mortgage has been in business based on its 3S of stability, service, and scope. It is a subsidiary of Peoples Bank in Mississippi.

  • New Construction
  • Reverse Mortgages

101a Lumber Ln, Goose Creek, SC 29445
WebsiteLicense: 182524

Expertise.com Rating

Review Sources

Google
5.0 (206)
Facebook
5.0 (88)

Why choose this provider?

Sonya Pitt has been in the mortgage industry since 1998. Pitt is a mortgage loan originator for Premier Nationwide Lending, working to ease the stress of North Charleston clients in looking for a residence. As a certified military loan specialist and a veterans loans specialist, Pitt assists veterans, military members, and their spouses in purchasing homes. She also carries various mortgage plans, such as FHA, jumbo, USDA, fixed-rate, and adjustable-rate loans. Additionally, Pitt helps individuals decide whether refinancing fits their situation and goals.

  • New Construction
  • Reverse Mortgages

215 East Bay St #403F, Charleston, SC 29401
WebsiteLicense: 1823590

Expertise.com Rating

Review Sources

Google
4.8 (26)
Facebook
5.0 (12)

Why choose this provider?

Leeward Point Mortgage provides a variety of refinance options to customers in North Charleston. Its refinancing programs include USDA and VA streamline, FHA cash out, and conventional loans. Its mortgage professionals have worked with people refinancing their single-family residences, manufactured homes, townhouses, and condominiums. They also cater to families realizing their dream of homeownership by purchasing jumbo, FHA, or VA loans. The company has various calculator tools on its website to help customers make informed decisions about their loan applications.

  • New Construction

4969 Centre Pointe Dr Ste 103, North Charleston, SC 29418
WebsiteLicense: 115161

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Max Ballard is the VP of Mortgage Lending at Guaranteed Rate Affinity, serving individuals and families in North Charleston. He offers an assortment of loan products and programs for different types of borrowers, including first-time homebuyers. He assists with every step of the home financing process, including coordinating with real estate agents. His team comprises loan assistants, processors, underwriters, and closing specialists. Max Ballard has been working in the mortgage industry for more than two decades.

  • New Construction

551 Folly Road, Charleston, SC 29412
WebsiteLicense: 1693481

Expertise.com Rating

Review Sources

Facebook
5.0 (8)
Google
4.4 (7)

Why choose this provider?

Coastal Funding Charleston offers a wide variety of loan programs for clients throughout North Charleston and the surrounding areas. This local mortgage company has been in business since 2004, offering refinance programs that clients can choose from that match their particular needs and goals. Loan options are also available, such as conventional Fannie Mae and Freddie Mac, FHA, VA, USDA, and non-qualifying mortgage loans for buyers of single-family, condos, town homes, investment properties, modular, and manufactured homes.

  • Reverse Mortgages

115 Fiarchild St., Suite 310, North Charleston, SC
WebsiteLicense: 325427

Expertise.com Rating

Review Sources

Facebook
4.6 (14)
Google
4.0 (1)

Why choose this provider?

Derek Goulette, from Finance of America Mortgage, serves the neighborhoods in and around the North Charleston metro. It offers mortgage refinancing options that are based on the client's unique scenario and criteria, and match their goals. Clients are also informed of the differences in the interest rates and terms. Goulette, who runs his office on Daniel Island, helps his clients see the differences among the loan programs that he offers. He assists them in making informed decisions about the right option for them.

  • New Construction
  • Reverse Mortgages

130 River Landing Drive Suite 1D, Daniel Island, SC 29492
WebsiteLicense: 1089186

Expertise.com Rating

Review Sources

Facebook
4.8 (52)
Google
4.6 (11)

Why choose this provider?

Tamara Vandiver is a retired veteran and a mortgage loan originator who helps homeowners in North Charleston get access to refinancing loans. She helps clients who want to save money by lowering their monthly payments and interest rates, as well as those in need of cash to fund major expenses. Vandiver also assists first-time home buyers, those who are looking for a second home, and those looking for an investment. She serves as a board member of the Tri-County Veterans Support Network.

  • New Construction

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Tabor Mortgage Group
2000 Sam Rittenberg Blvd, Suite 2020, Charleston, SC 29407
CapCenter
North Charleston, SC
New South Mortgage Corporation
130 River Landing Dr., Suite 1-D, Daniel Island, SC 29492
Ronda Hammang
4900 O'Hear Avenue Offices 110 & 111, North Charleston, SC 29405
Home Loans Inc.
2557 Aahley Phosphate Rd, North Charleston, SC 29418
Mija Mortgage
2557 Ashley Phosphate Road, North Charleston, SC 29418
Charleston Mortgage Lender
1322 Rutledge Ave, Charleston, SC 29403
Peoples Bank Mortgage
4401 Belle Oaks Drive Suite 210, North Charleston, SC 29405
Sonya Pitt
101a Lumber Ln, Goose Creek, SC 29445
Leeward Point Mortgage
215 East Bay St #403F, Charleston, SC 29401
Max Ballard
4969 Centre Pointe Dr Ste 103, North Charleston, SC 29418
Coastal Funding Charleston
551 Folly Road, Charleston, SC 29412
Derek Goulette
115 Fiarchild St., Suite 310, North Charleston, SC
Tamara Vandiver
130 River Landing Drive Suite 1D, Daniel Island, SC 29492

FAQs

  • Introduction

    Refinancing a mortgage can be a complicated process, and hiring a mortgage refinancing broker can make it simpler and faster. There are several things you can do to protect your interests and help your broker complete the process for you.

    Check a potential broker’s online reviews to find one with a good reputation. In addition to the opinions of past clients, check to see if a broker has an online portfolio, which can support the reviews you find from past clients to show a broker’s trustworthiness. This can also help you establish if a broker has handled financing for properties similar to yours.

    Get a written summary of a broker’s rates before committing so you know exactly what hiring your chosen mortgage refinance broker will cost. Find out which lenders work with your broker and what information they need to successfully refinance your mortgage.
  • How much is the limit for a mortgage loan in North Charleston before it can be considered a jumbo loan?

    The limit for conforming loans in South Carolina, including North Charleston, amounts to $726,200. If the loan exceeds this amount, then it is classified as a jumbo loan. The loan amount determines the loan’s category and not the home’s price. If the property’s price is 750,000 dollars and a down payment of 50,000 is made, then the mortgage becomes 700,000 dollars, which does not reach the conforming loan limit and cannot be categorized as a jumbo loan.

  • What should a lender do so that they can operate as a North Charleston mortgage broker?

    A lender should be able to complete an NMLS record and file it for approval by the Consumer Finance Division if they want to operate as a North Charleston mortgage broker. This is a requirement for all branches and companies that wish to serve as mortgage lenders, servicers, branches, or loan originators. Licenses are issued by the NMLS in compliance with regulations stipulated by the Mortgage Lending Act.

  • Is it a good idea to wait until mortgage rates drop before applying for refinancing in North Charleston?

    No, it is generally not advisable to wait until mortgage rates drop before applying for refinancing. Doing so would be akin to gambling, because there can be no guarantee in this scenario. It is advisable to refinance in North Charleston depending on one’s particular situation and goals. If a refinancing application is delayed, opportunities to save money on interest payments may be missed.

  • Are most homeowners in North Charleston qualified for refinancing?

    Many homeowners in North Charleston qualify for refinancing, even if they have not yet built up much equity in their home or struggle with their payments. The amount of time borrowers have owned their home matters less than the equity they have built up. Also, eligibility requirements apply, including whether Freddie Mac or Fannie Mae owns the loan. The existing loan-to-value ratio also has a bearing on eligibility.

  • How does one calculate refinancing interest rates in North Charleston?

    Several factors contribute to the calculation of refinancing interest rates in North Charleston, including:

    • the baseline interest rate, which is set by lenders using 10-year treasury notes added with a percentage for risk.
    • seasonality, which depends on mortgage demand and the current real estate market.
    • global and economic events, which compel lenders to increase rates due to risks such as drops in the stock market, increased unemployment, and inflation.
  • How do you refinance a mortgage?

    Decide why you’re refinancing, such as to get a lower interest rate, pay off your loan faster, or to get a lower monthly payment. Share your credit information with your broker along with information about the equity you have in your home. Review your mortgage refinance broker’s quotes and choose the best loan terms.