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Best Mortgage Refinance Companies in Columbia

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Bryan Baldwin logo

Bryan Baldwin

1703 Gervais Street, Columbia, SC 29201
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  • New Construction

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.

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Edens & White Mortgage logo

Edens & White Mortgage

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

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.

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Foundation Mortgage Corporation logo

Foundation Mortgage Corporation

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

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.

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Gulfstream Mortgage logo

Gulfstream Mortgage

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

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.

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Home Loans By Kevin logo

Home Loans By Kevin

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

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.

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Mortgage Network, Inc. - Columbia, SC logo

Mortgage Network, Inc. - Columbia, SC

3300 Millwood Avenue, Columbia, SC 29205
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  • New Construction

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.

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Thrive Mortgage logo

Thrive Mortgage

1523 Richland Street, Columbia, SC 29201
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  • New Construction

Thrive Mortgage is a company that provides personalized lending solutions to families and individuals in Columbia. It offers refinancing options to homeowners who want lower rates and shorter terms for their existing loans, to get cash from equity, or consolidate debt. Home purchases, new construction financing, and reverse mortgages are also available. The company is managed by an army veteran who is a certified HUD housing counselor and divorce lending professional. He has been working in the industry for 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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