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Best Mortgage Refinance Companies in Columbia

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2023
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Bryan Baldwin logo
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License Verified:

License: 664094

Nationwide Multistate Licensing System and Registry

Bryan Baldwin

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1703 Gervais Street, Columbia, SC 29201
  • New Construction

Business Description

Bryan Baldwin is a PrimeLending loan originator who serves individuals and families within Columbia. He has assisted at least 1,000 clients using a variety of loan plans, including those that involve refinancing, for over 14 years. He works with applicants in determining an option that suits their long-term goals, such as improving interest rates, lowering monthly payments, and obtaining cash-outs. His recommendations are drawn from a selection of at least 400 programs that are supported by various mortgage lenders.

License Verified:

License: 664094

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
Google
5.0 / 5 (12)
Facebook
4.3 / 5 (7)

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
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Detail
Cain Mortgage Team logo
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License Verified:

License: 283753

Nationwide Multistate Licensing System and Registry

Cain Mortgage Team

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2717 Devine Street, Columbia, SC 29205
  • Reverse Mortgages
  • New Construction

Business Description

Cain Mortgage Team offers refinancing and loan programs to home purchasers in Columbia. The firm has government-backed USDA and VA options. Conventional and jumbo loans are available as are reverse mortgages that have the benefit of non-taxable proceeds. The crew maintains an online calculator to give consumers preliminary information before conversing with a counselor personally. Cain Mortgage Team's clientele includes first-time buyers and those with existing obligations that need to be rearranged with less burdensome terms.

License Verified:

License: 283753

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 (152)
Facebook
5.0 / 5 (62)
Yelp
5.0 / 5 (1)

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
Dapper Dave Taylor logo
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License Verified:

License: 901285

Nationwide Multistate Licensing System and Registry

Dapper Dave Taylor

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1519 Richland St, Columbia, SC 29201
  • Reverse Mortgages

Business Description

Dapper Dave Taylor serves clients in the Columbia metro and the surrounding areas. He assists homeowners in refinancing their property and helps them save more money with lower interest. He also helps structure the new financing to aid clients in making the most out of the deal. He caters to real estate investment buyers and guides them to secure low-rate financing to maximize their ROI. In addition, he attends to senior citizens who are seeking reverse mortgages.

License Verified:

License: 901285

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
Edens & White Mortgage logo
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License Verified:

License: 195469

Nationwide Multistate Licensing System and Registry

Edens & White Mortgage

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173 Waterstone Dr, Lexington, SC 29072
  • New Construction
  • Reverse Mortgages

Business Description

Edens & White Mortgage assists Columbia homeowners in refinancing their home mortgage. It collaborates closely with clients to understand their current situation and make an informed decision about which option best meets their needs. The firm's team, which has more than 75 years of combined industry experience, provides refinancing solutions that allow homeowners to lower their monthly rates. Clients can also visit the company's website's mortgage refinance center for up-to-date resources on various loan programs. Edens & White Mortgage was founded in 1998.

License Verified:

License: 195469

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
Facebook
5.0 / 5 (6)
Google
5.0 / 5 (2)

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
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Detail
Foundation Mortgage Corporation logo

License Verified:

License: 229932

Nationwide Multistate Licensing System and Registry

Foundation Mortgage Corporation

2330 Devine St, Columbia, SC 29205
  • New Construction
  • Reverse Mortgages

Business Description

Foundation Mortgage Corporation is a Columbia-based service provider offering boutique solutions for homeowners in the metro. The company assists mortgage owners in converting to refinancing programs for loans such as conventional, USDA/rural housing, VA, and FHA. Its team of advisors guides clients in choosing from various downpayment options, preparing documents, and navigating the refinancing process. Founder James Fleshman II has been in the mortgage industry since 1991 and is a member of the Central Carolina Realtors Association.

License Verified:

License: 229932

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 (38)
Facebook
5.0 / 5 (10)

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
Golden Gate Mortgage Inc logo
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License Verified:

License: 263032

Nationwide Multistate Licensing System and Registry

Golden Gate Mortgage Inc

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3102 Millwood Avenue, Columbia, SC 29205
  • Multi-Family Loans

Business Description

Golden Gate Mortgage Inc. provides services to homeowners and first-time homebuyers in the Columbia metro and the surrounding locations. It helps clients with refinancing to have lower monthly payments, find other loan options, and reduce interest. Its mortgage brokers help clients calculate and discuss options and process applications. They have access to a variety of loan programs, including FHA, USDA, VA, fixed-rate mortgages, and adjustable-rate mortgages. The mortgage company has been in business since 1999.

License Verified:

License: 263032

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 (41)
Facebook
5.0 / 5 (12)
Gulfstream Mortgage logo
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License Verified:

License: 224519

Nationwide Multistate Licensing System and Registry

Gulfstream Mortgage

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3101 Carlisle St., Columbia, SC 29205
  • Reverse Mortgages

Business Description

Gulfstream Mortgage has been serving Columbia residents since 1991. Led by owner and loan officer Bob Graybill, it helps homeowners reduce their interest rates and monthly payments, consolidate their debts, revise their loan terms, and cash out their equity through mortgage refinancing. The company offers various loan options such as fixed- and adjustable-rate mortgages, VA, and FHA loans. Reverse mortgages are also available. Gulfstream Mortgage's team members work closely with customers throughout the loan process, including pre-qualification, application, processing of the estimated loan, and closing.

License Verified:

License: 224519

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 (44)
Yelp
5.0 / 5 (2)
Home Loans By Kevin logo

License Verified:

License: 756797

Nationwide Multistate Licensing System and Registry

Home Loans By Kevin

925 East Main Street, Lexington, SC 29072
  • New Construction

Business Description

Home Loans By Kevin, a member of The Palmetto Mortgage Group, caters to the refinancing needs of Columbia homeowners. Mortgage lender Kevin Kuper provides clients with refinancing strategies that meet their requirements. He assists clients with home repair or remodeling to get an FHA 203K renovation loan. Kevin also educates clients about the various home loan options and mortgage processes. In addition, prospective homebuyers can turn to Home Loans By Kevin for information or assistance with other loan options such as VA, USDA, and Jumbo.

License Verified:

License: 756797

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
Facebook
5.0 / 5 (10)

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
Lee Pelham logo
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License Verified:

License: 397092

Nationwide Multistate Licensing System and Registry

Lee Pelham

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801 Gervais Street, Suite 102, Columbia, SC 29201
  • Reverse Mortgages

Business Description

Lee Pelham is a loan officer at Intercoastal Mortgage, LLC, where he assists clients in Columbia looking for mortgage refinancing options. After assessing their financial status and credit profile, he discusses the available avenues that can reduce the clients' interest rates and monthly dues. Lee aims to facilitate a smooth and productive loan application process. The agent helps real estate owners determine if they are qualified to refinance their property or take equity out of it.

License Verified:

License: 397092

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
Facebook
4.8 / 5 (46)
Google
5.0 / 5 (4)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Metro Mortgage logo
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License Verified:

License: 296204

Nationwide Multistate Licensing System and Registry

Metro Mortgage

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7223 St Andrews Road, Columbia, SC 29212
  • New Construction
  • Reverse Mortgages

Business Description

For over two decades, Metro Mortgage has been working with clients in the Columbia metro and the surrounding communities. The company assists homeowners through the process of refinancing their loans. It has experience changing the terms of mortgages insured or guaranteed by federal agencies like the FHA and VA. It also helps individuals acquire rural properties through loans backed by the USDA. Metro Mortgage maintains a website with online calculators to assist clients in making decisions.

License Verified:

License: 296204

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
Facebook
5.0 / 5 (38)
Google
4.7 / 5 (13)

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
Midland Mortgage Corporation logo
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License Verified:

License: 66708

Nationwide Multistate Licensing System and Registry

Midland Mortgage Corporation

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1500 Richland St., Columbia, SC 29201
  • New Construction

Business Description

For over 30 years, Midland Mortgage Corporation has been providing refinancing services to the residents of Columbia. It offers mortgage refinancing options that present an opportunity to obtain a fixed-rate loan, reduce interest rates, or adjust the overall loan plan to meet the client's financial circumstances. Its team of loan officers analyzes its clients' situations to recommend appropriate refinancing options while providing guidance throughout the process. Midland Mortgage Corporation is affiliated with the Mortgage Bankers Association of the Carolinas, Inc.

License Verified:

License: 66708

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.
4.4
Facebook
4.6 / 5 (135)
Google
4.2 / 5 (65)
Yelp
2.5 / 5 (7)

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
Mortgage Network, Inc. - Columbia, SC logo

License Verified:

License: 2668

Nationwide Multistate Licensing System and Registry

Mortgage Network, Inc. - Columbia, SC

3300 Millwood Avenue, Columbia, SC 29205
  • New Construction

Business Description

Mortgage Network, Inc. is a Columbia-based company that was founded in 1988. Its agents navigate clients throughout the refinancing process and introduce them to loan programs such as jumbo, renovation, state housing, VA, and FHA loans. The firm has over 36 offices in 26 states that work together to donate food to those in need and build homes for local veterans who have been injured while on duty. Mortgage Network also creates welcome kits for children who arrive at shelters in need of necessities.

License Verified:

License: 2668

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 (103)
Yelp
5.0 / 5 (1)

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
Mortgage Options logo
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License Verified:

License: 803458

Nationwide Multistate Licensing System and Registry

Mortgage Options

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6140 St. Andrews Rd, Columbia, SC 29212
  • New Construction

Business Description

Mortgage Options offers refinancing solutions to homeowners in the Columbia metro. Its officers assist clients who are looking to refinance their existing mortgage to get lower interest rates or pay off loans early. They guide borrowers in choosing from term and interest rate options. In addition, the staff provides the FHA Streamline Refinance package program. The company was established in 2013 and is a member of the Greater Columbia Chamber of Commerce, NAMB, and HBA.

License Verified:

License: 803458

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
4.8 / 5 (40)
Google
4.6 / 5 (22)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Resource Financial Services, Inc. logo

License Verified:

License: 1339801

Nationwide Multistate Licensing System and Registry

Resource Financial Services, Inc.

708 Lady Street, Columbia, SC 29201
  • New Construction

Business Description

Resource Financial Services, Inc., provides services to clients across Columbia and the surrounding areas. It offers mortgage refinancing services to help homeowners change their rates and terms, lower their monthly payments, and consolidate their debts. It also allows them to obtain cash for college tuition fees, home improvements, and medical expenses. The company's president and CEO, A. Wade Douroux, has more than 17 years of mortgage experience. He also extends his services to various states, including North Carolina, Alabama, Florida, Kentucky, Tennessee, and Georgia.

License Verified:

License: 1339801

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
Facebook
5.0 / 5 (40)
Google
4.4 / 5 (18)

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

Frequently Asked Questions

  • 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 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.

  • How does mortgage refinance work?

    The mortgage refinance process begins with choosing a broker and filling out loan application information. The process continues through underwriting and closing. The new mortgage is then used to pay off and close your original mortgage loan. This leaves you with a new loan and mortgage payment to manage each month.

  • When should you refinance a mortgage?

    If your credit score has improved or mortgage interest rates have dropped, refinancing can potentially save you money. Other reasons to refinance your mortgage include getting a fixed rate instead of an adjustable one or getting a shorter loan term. An increase in your home’s value that can let you access more equity is another reason to refinance.

  • How much does it cost to refinance a mortgage?

    The average cost to refinance a mortgage is $5,000. This amount varies, based on the state and county where the property is located and the loan amount. Common fees incurred when refinancing a mortgage include:

    • Appraisal fee
    • Broker’s fee
    • Credit check fee
    • Loan application fee
    • Recording fee
    • Title search and insurance fee

  • How soon can you refinance a mortgage?

    Some lenders make borrowers wait a minimum of six months before accepting a new mortgage refinancing application. However, when that happens, borrowers can check with other lenders to find one that doesn’t require a wait before refinancing. A mortgage refinance broker can guide you to lenders that allow immediate refinancing.

  • How long does it take to refinance a mortgage?

    The average amount of time it takes to refinance a mortgage is 45 days. In some cases, it may be possible to get it done faster. There also may be times when it takes longer to get a mortgage refinanced.