Expertise.com

2024

Last updated:

Best Mortgage Brokers in Charleston

Our Recommended Top 7

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 Charleston Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

34Reviewed

23Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
2000 Sam Rittenberg Blvd, Suite 2020, Charleston, SC 29407
  • Reverse Mortgages

Why choose this provider?

Tabor Mortgage Group serves homeowners in Charleston and the surrounding areas. It offers various traditional mortgage programs, including FHA, conventional, USDA, VA, and jumbo. It provides down payment assistance, refinancing options, and special considerations for first-time homebuyers. Additionally, the company offers other loan programs, such as lot and land loans, fix and flip short-term business loans, bridge home programs, condo hotel financing, and bank statement loans. Tabor Mortgage Group educates its clients about industry trends and mortgage options.

License Verified:

License: 46375

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (828)
Zillow
4.9 / 5 (575)
Facebook
4.9 / 5 (200)

(+1 additional source)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
215 East Bay St. #403 F, Charleston, SC 29401
  • Refinance
  • New Construction

Why choose this provider?

Leeward Point Mortgage is a Charleston-based, full-service company catering to the homeownership goals of individuals and families in the metro. It implements strategies to simplify the mortgage process, including prequalification, appraisal, underwriting, and closing. Its mortgage professionals provide solutions for self-employed borrowers, first-time homebuyers, investors, and upgrading homeowners. They assist local borrowers in securing refinancing programs such as FHA cash-out, HARP, conventional loans, and USDA streamline. In addition, the company serves communities in Michigan.

License Verified:

License: 1823590

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2265 Clements Ferry Rd. Suite 208, Charleston, SC 29492
  • Reverse Mortgages

Why choose this provider?

Coastlend Mortgage helps first-time buyers and real estate investors in Charleston purchase homes or refinance their existing loans. It offers various mortgage loan options, including conventional, USDA, and VA. Its staff works with self-employed, high-net-worth, and low-income borrowers, as well as military personnel and nurses. The company's founder, Eddie O'Neill, has been in the mortgage business since 2004. Using the customer service skills he learned at the Ritz-Carlton Hotel Company, O'Neill has helped more than 1,100 families achieve their dream of owning a home.

License Verified:

License: 340929

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (162)
Zillow
5.0 / 5 (128)
Facebook
5.0 / 5 (37)

(+1 additional source)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
32 Cooper St., Charleston, SC 29403
  • Reverse Mortgages

Why choose this provider?

Sweetgrass Capital is a mortgage company that provides services to residents of Charleston and the surrounding areas. It focuses on home loans, allowing its mortgage consultants to only follow the residential lending market, giving them a chance to offer their clients the best options available when purchasing or refinancing their homes. The company has a staff of six loan officers who work with real estate agents and builders to make owning a home easy for clients.

License Verified:

License: 1205337

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.9 / 5 (47)
Facebook
4.6 / 5 (38)
Zillow
5.0 / 5 (30)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1127 Queensborough Blvd Ste 103, Mt Pleasant, SC 29464
  • Refinance
  • New Construction

Why choose this provider?

Brenna Romaine is a loan originator with Guaranteed Rate Affinity. She assists prospective home buyers in Charleston, whether they are first-time or seasoned homebuyers, in choosing from over 100 mortgage programs available. She has direct access to real estate agents, loan processors, and underwriters, which allows her team to offer fast-tracked mortgages. Brenna focuses on helping clients understand their options to make them comfortable with their decisions. Customers are also updated through a loan status monitor on a digital mortgage platform.

License Verified:

License: 1835196

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
551 Folly Road, Charleston, SC 29412
  • Refinance

Why choose this provider?

Coastal Funding Corporation provides clients in the Charleston area with various mortgage solutions and services. It offers lending options ranging from government-supported programs like FHA and USDA loans to self-employed or investor loans for residential properties like townhomes and condo units. It also offers mortgage refinance services to help homeowners restructure their existing lending options for benefits like shorter terms or lowered interest rates. President and CEO Jay Spurlin has over two decades of industry experience.

License Verified:

License: 103035

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
5.0 / 5 (16)
Google
4.4 / 5 (7)
Zillow
3.7 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
7 Radcliffe St. Suite 200, Charleston, SC 29403
  • Reverse Mortgages

Why choose this provider?

Princeton Mortgage offers a variety of loan choices for individuals and families in communities throughout Charleston. Its staff utilizes a comprehensive process that involves the obtainment and management of financial data for clients, as well as document analysis and the finalization of settlement paperwork. Its options range from fixed- and adjustable-rate mortgages to VA and non-QM loans. The agency has been featured on different media platforms, including the Mortgage News Network, the Housing News Podcast, MarketWatch, and Yahoo! Finance.

License Verified:

License: 113856

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (196)
Facebook
4.5 / 5 (27)
Zillow
4.9 / 5 (19)

FAQs

  • Introduction

    It’s the American dream to buy property, and almost everyone who purchases a home does so with the help of a mortgage broker. It can be intimidating when you don’t know where to begin, what information is necessary, and how to receive a loan. A mortgage broker acts as an intermediary between the applicant and the financial institution.


    The mortgage broker’s role includes comparing loan terms across lenders to find applicants the best options, collecting paperwork the financial institution needs to analyze the application, and guiding the buyer through the underwriting and closing processes. Mortgage brokers can significantly simplify the home buying process.

  • Can mortgage brokers work across state lines?

    Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for mortgage brokers. Customers should ensure their broker can legally work in another state before going across state lines. Lastly, don’t forget the mortgage process is often time-sensitive, so being in different time zones can be problematic.

  • How do mortgage brokers find lenders?

    Mortgage brokers work independently and act as a bridge between the client and the lender. They reach out to several lenders to form a network and build professional relationships with those they work with often. They use lenders who best meet a client's rates and terms, and some lenders only do business through mortgage brokers.  

  • What credit score do mortgage brokers use?

    There are two credit scoring models in the United States: FICO and VantageScore. Mortgage lenders typically prefer to use FICO. However, each credit bureau uses a different version of the FICO score:

    • Experian uses FICO Score 2
    • Equifax uses FICO Score 5
    • TransUnion uses FICO Score 4

  • Do mortgage brokers help with refinancing?

    Yes, mortgage brokers can help with refinancing. Individuals who have a solid credit score will typically go to their bank to refinance their mortgage. However, if you don't have excellent credit, a mortgage broker may be able to secure you a better interest rate than you could get on your own.

    You pay a fee to the mortgage broker, so you'll want to consider this fee versus your savings in your cost-benefit analysis.
  • Can you work with two mortgage brokers?

    You can definitely work with two mortgage brokers. The advantage of using multiple brokers is that you'll have two people reaching out to several lenders to secure the best rate possible. However, you must ensure you provide matching information to all your brokers. If two brokers provide mismatched information about your application to the same lender, it can send off red flags and delay your approval process.

  • Do mortgage brokers get better deals?

    Yes, a mortgage broker should be able to get you a better deal. Mortgage brokers go to several lenders on your behalf and find the one with the best terms and interest rates. However, note that some mortgage brokers have preferred lenders. A broker may bring you their preferred lender's offer, even if it's not the best one; however, this isn't a regular practice.