Best Mortgage Refinance Companies in Charleston

CHS Team is a mortgage lending company with over 35 years of experience in the field. It serves residential homeowners in the Charleston metro and offers options for home buying and refinancing requirements. One of its mortgage loan originators, Zach Larichiuta, has been named as part of the top one percent of the National Originators in residential lending. CHS Team pays it forward by supporting several organizations like Leukemia and Lymphoma Society, Cystic Fibrosis Foundation, Water Mission, and Toys for Tots.

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.

Coastlend Mortgage assists clients in the Charleston area who are in need of purchasing a home or refinancing an existing loan and provides options such as USDA, jumbo, FHA, VA, and conventional loans. The Residential Mortgage Lender works with people who are buying a home for the first time, investors, people with a lot of money, people with low to moderate incomes, and Hometown Heroes. Eddie O'Neill, the company's founder and CEO, has been in the loan origination business since 2004.

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.

Jay Ingram brokers mortgages and refinances debts for residents of Charleston. He operates under the Home Loans Inc. banner and coordinates between buyers and real estate professionals during each step of the financing and sale process. His team is proactive and anticipates emergent problems to facilitate the smooth flow of transactions. Jay Ingram maintains a blog that educates homeowners on funding concerns and various related topics like fulfillment terms, gift funds, and the virtual closing of house purchase contracts.

Jeremy Chapman is a loan officer who works under the Nexa Mortgage umbrella and gives mortgage and refinance options to residents of Charleston. The agent has products aimed at purchasers of single and multi-family properties. Refinancing options are available for debtors seeking to rearrange their current obligations. The team has more than 20 years of combined experience in the lending industry. It has specific accommodations in place for military service personnel.

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.

Lucey Mortgage Corporation serves homeowners and homebuyers in Charleston, Mt. Pleasant, James Island, and the rest of South Carolina. It provides online information on the factors to consider in refinancing and applying for loans on its website, along with a mortgage calculator. Loan options the company provides include VA, conventional, FHA, and jumbo loans. Lucey Mortgage Corporation has been in the lending industry for three decades and has processed more than $2 billion in granted loans.

Luke Billman is a retail branch manager for Sierra Pacific Mortgage that serves clients in the Charleston area and nearby metros. He facilitates mortgage refinancing, whether to reroute funds for renovation, proceed with a cash-out, or extend or shorten loan terms. His team also offers conventional and jumbo loan options, as well as fixed-rate mortgages, ARMs, and state bond loan programs. Luke Billman is a mortgage loan originator and is NMLS-registered. Sierra Pacific Mortgage's website also has an affordability calculator that visitors can use.

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.

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.

SweetGrass Capital is an independent mortgage banker focusing on the residential market to serve the needs of the Charleston community. Its team of mortgage consultants guides borrowers throughout the refinancing process, starting from application to approval and closing. The team provides information on the latest trends in the lending market to help clients secure refinancing programs tailored to their unique situations. In addition, the company operates in North Carolina, Alabama, Ohio, Indiana, Louisiana, and Virginia.

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.