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Best Mortgage Refinance Companies in Charleston

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Coastal Funding Corporation logo

Coastal Funding Corporation

551 Folly Road, Charleston, SC 29412
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  • New Construction

Coastal Funding Corporation is a local mortgage company serving clients in Charleston. It offers refinance programs to assist clients looking to reduce mortgage terms, lower interest rates, and implement fixed-rate loans. It also provides cash-out refinancing for medical emergencies or personal events. Its loan types include conventional, USDA, FHA, VA, self-employed, and investor loans. It works with various property types, such as single-family, townhomes, condotel, modular, and manufactured homes. Coastal Funding Corporation has been serving the community since 2004.

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Home Loans Inc. logo

Home Loans Inc.

2557 Aahley Phosphate Rd, North Charleston, SC 29418
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  • New Construction

Home Loans Inc. is a boutique mortgage brokerage firm that caters to the residents of Charleston. It helps clients enjoy lower monthly mortgage rates by providing refinancing options. It also assists with the modification of loan terms without significantly altering existing costs. Additionally, it offers cash-out refinancing and additional financial options like USDA, FHA, and VA loans as well as fixed-rate mortgages. Company owner Jason Sharon is a retired navy veteran who has been featured on Yahoo Finance and Forbes.

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Lowcountry Home Loans logo

Lowcountry Home Loans

802 Coleman Blvd Suite 209, Mt. Pleasant, SC 29464
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  • Reverse Mortgages

Lowcountry Home Loans provides Charleston locals with mortgage options and refinancing solutions. The independent mortgage company employs a team of financial professionals with over two decades of industry experience, from helping clients find and acquire FHA or VA loans to refinancing existing mortgages for lower payments or terms. It also offers program-specific refinancing options, such as the VA interest rate reduction loan and the FHA streamline. Senior loan officer Chuck Olmsted supports the veteran community, having served on the advisory council for the Palmetto Warrior Connection.

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PMC Mortgage Corporation logo

PMC Mortgage Corporation

1041 Johnnie Dodds Boulevard, Suite 15B, Charleston, SC 29464
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  • Commercial Loans

PMC Mortgage Corporation has been serving clients in Charleston and the neighboring communities since 1992. It provides mortgage refinance programs to clients with limited equity, who want to cash out, or who intend to stay in their homes for less than five to seven years. It also offers conventional, jumbo, FHA, and VA loans. Henry Savage, the company's founder and president, was a Mortgage Q&A columnist for The Washington Times. He is a member of the United Wholesale Mortgage Advisory Council.

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Princeton Mortgage logo

Princeton Mortgage

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

Princeton Mortgage is a full-service direct lender that works with residents in Charleston and the surrounding areas. Its team helps families and individuals acquire their dream real estate properties by providing them with mortgage loan assistance. The company processes fixed-rate and adjustable-rate mortgage, as well as FHA, USDA, VA, and manufactured home loans. It also offers homestyle renovation mortgage, jumbo, and QM and non-QM loan options. Princeton Mortgage has been in the industry for more than 35 years.

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The Bridgewater Group logo

The Bridgewater Group

174 East Bay Street, Suite 3, Charleston, SC 29401
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  • New Construction
  • Reverse Mortgages

The Bridgewater Group is a mortgage broker headquartered in Charleston. It shops for loan products on behalf of homeowners who are looking at refinancing for their primary house, second residence, or investment real estate. The company sends weekly status updates to borrowers and continues to work with them after loan closing to review and adjust mortgage plans. The Bridgewater Group operates under Element Home Loans. Its team has been keeping track of mortgage market conditions for more than 20 years.

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Frequently Asked Questions

Q: What should you expect when refinancing a mortgage?

A: When refinancing a mortgage, expect to answer a lot of questions and provide documentation to back up your answers. You'll may also pay fees and closing costs of around $5,000. Additionally, expect to start over in terms of building home equity, because refinancing takes the amortization process back to the beginning.

Q: How often should you refinance your mortgage?

A: There is no recommended frequency for refinancing a mortgage. How often you should refinance is determined by when it will save you money. If you can get better terms on your mortgage by refinancing, then it’s a good time to take action.

Q: Can you refinance a first mortgage and not a second?

A: You can refinance your first mortgage and not the second one, but it can be difficult. You have to get the lender of your second mortgage to agree to the refinancing. The process is called resubordination, and some home equity lenders won’t agree. Additionally, lenders typically charge extra fees to resubordinate a loan.

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