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Best Mortgage Brokers in Charleston

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Brenna Romaine logo

Brenna Romaine

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

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.

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Coastal Funding Corporation logo

Coastal Funding Corporation

551 Folly Road, Charleston, SC 29412
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  • Refinance

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.

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Coastlend Mortgage logo

Coastlend Mortgage

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

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.

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Princeton Mortgage logo

Princeton Mortgage

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

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.

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Tabor Mortgage Group logo

Tabor Mortgage Group

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

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.

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Tamara Vandiver logo

Tamara Vandiver

130 River Landing Drive Suite 1D, Daniel Island, SC 29492
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  • Reverse Mortgages

Tamara Vandiver is a mortgage broker serving Charleston. She assists first-time home buyers in getting pre-approved and realizing their dream of home ownership. She also helps people who want to move up and buy a second home, as well as homeowners who want to refinance to get lower rates, shorter terms, or cash from equity. In addition, Vandiver and her team assist investment buyers in obtaining low-interest financing. Vandiver is a military veteran who believes in keeping her clients informed and completing loans on time.

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Frequently Asked Questions

Q: Do mortgage brokers need to be licensed?

A: Yes, all mortgage brokers need to be licensed. Individuals need to complete a 20-hour class that goes over state and federal laws for mortgages and other important information. Next, individuals take the official test with the National Mortgage Licensure System.

Q: Is it difficult to pass the mortgage brokers’ test?

A: Upon completion of educational requirements, you must pass the mortgage broker test to receive your license. It's a two-part test called the Safe Mortgage Loan Originator Exam, and it can be a bit challenging. Out of almost 87,600 national test-takers, 57% passed on their first attempt. The test includes both a state and national portion and requires a minimum score of 75% to pass.

Q: What is a surety bond for mortgage brokers?

A: A surety bond is a legal contract that binds three parties — the obligee, the principal, and the surety. Surety bonds are typically required to receive a license for operating as a mortgage broker. When a mortgage broker gets a surety bond, it's a legal guarantee they'll perform their obligations to their customers as required by law.

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