Expertise.com

2024

Last updated:

Best Mortgage Brokers in North Charleston, SC

Our Recommended Top 12

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored North Charleston Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

38Reviewed

27Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2000 Sam Rittenberg Blvd, Suite 2020, Charleston, SC 29407
WebsiteLicense: 46375

Expertise.com Rating

Review Sources

Google
4.9 (849)
Zillow
5.0 (601)
Facebook
4.9 (198)

Why choose this provider?

Tabor Mortgage Group caters to clients in North Charleston and the neighboring cities. It assists individuals and families in purchasing their first homes by applying for mortgage loans, such as conventional, USDA, FHA, and VA. It also provides construction loan options for clients who wish to build new or create room additions in their homes. In addition to mortgage loan applications, the company serves individuals wanting to lower their mortgage interest rates and loan terms through refinancing services.

  • Reverse Mortgages

120 Varnfield Dr Suite A, Summerville, SC 29483
WebsiteLicense: 290369

Expertise.com Rating

Review Sources

Google
4.9 (38)
Facebook
5.0 (5)

Why choose this provider?

Lisa Simpson manages the Summerville branch of Mid America Mortgage, powered by Legend Lending Corp NMLS#229421. Her office offers a variety of mortgage programs for purchasing and refinancing, including FHA, VA, USDA, and conventional loans. She also assists borrowers seeking construction funds, those requiring down payment assistance, and people looking to acquire their dream vacation home and wondering whether they qualify for jumbo lending. Lisa Simpson caters to homebuyers in North Charleston and the surrounding areas.

  • Construction
  • Down Payment Assistance
  • FHA, VA, & USDA

215 East Bay St. #403F, Charleston, SC 29401
WebsiteLicense: 1823590

Expertise.com Rating

Review Sources

Google
4.8 (23)
Facebook
5.0 (9)

Why choose this provider?

Leeward Point Mortgage serves homeowners and buyers in the North Charleston area. It offers a variety of loan programs with fixed and adjustable rates, interest-only, and graduated payment mortgages. Clients can choose from FHA, VA, USDA, and jumbo home loans for different property types, including single and multi-family homes, condominiums, townhouses, and manufactured homes. Additionally, Leeward Point Mortgage assists those looking to refinance existing mortgages to get lower interest rates and monthly payments. It serves the states of South Carolina and Michigan.

  • Refinance
  • New Construction

4401 Belle Oaks Drive Suite 210, North Charleston, SC 29405
WebsiteLicense: 447379

Expertise.com Rating

Review Sources

Google
4.9 (139)
Facebook
5.0 (15)

Why choose this provider?

Peoples Bank Mortgage has been helping individuals and families in North Charleston since 1908. It provides a variety of mortgage loan programs that are designed to fit the needs of each individual borrower. It offers conventional mortgage, jumbo, USDA, FHA, and VA home loans. It also has a dedicated team that helps clients apply for a mortgage after bankruptcy. Peoples Bank Mortgage is currently under the management of Dennis Amman, the bank's 4th generation CEO.

  • Refinance
  • New Construction

2557 Aahley Phosphate Rd, North Charleston, SC 29418
WebsiteLicense: 1728740

Expertise.com Rating

Review Sources

Google
5.0 (410)
Facebook
5.0 (151)

Why choose this provider?

Home Loans Inc. is a veteran-owned company serving the North Charleston metro. Its team of loan officers finds home loan options for clients based on their preferred program structure and rates, whether they are purchasing or refinancing. While clients' loans are being processed, they have access to rate monitoring, loan structuring advice, and appraisal coordination. Some of the programs offered are rehab, investment property, cash-out refinance, and USDA loans. Owner Jason Sharon appeared in different publications, including Yahoo! Finance and Forbes.

  • Refinance

802 Coleman Blvd Suite 209, Mt. Pleasant, SC 29464
WebsiteLicense: 1717832

Expertise.com Rating

Review Sources

Google
5.0 (57)
Facebook
5.0 (33)

Why choose this provider?

Lowcountry Home Loans is an independent brokerage catering to the mortgage needs of the North Charleston community. Its professionals create customized loan options for first-time homebuyers, self-employed individuals, investors, and second-home buyers. They assist clients in navigating the mortgage process, including preparing finances, choosing terms and downpayment options, and closing. One of these professionals, Chuck Olmsted, has experience as a residential loan officer for 15 years and serves the community through the Palmetto Warrior Connection Advisory Council.

  • New Construction

134 E Richardson Ave, Summerville, SC 29483
WebsiteLicense: 182005

Expertise.com Rating

Review Sources

Facebook
5.0 (31)

Why choose this provider?

Classic Home Mortgage helps prospective property buyers in North Charleston through its various loan services. Dance Crance, its mortgage loan originator, assists customers in the entire process by providing comprehensive details about FHA, VA, and USDA loans to help them decide which option suits them best. He works with Realtors and places importance on giving weekly updates to his clients. Crance has been a mortgage loan originator since 2013 and has over three decades of experience in the industry.

  • Refinance

1322 Rutledge Ave, Charleston, SC 29403
WebsiteLicense: 1749329

Expertise.com Rating

Review Sources

Yelp
5.0 (8)
Facebook
5.0 (6)

Why choose this provider?

CHS Team provides solutions to clients in North Charleston and nearby communities. It offers mortgage services to individuals planning to buy a home or refinance their current loan. The company guides clients through the mortgage process, helping them get pre-approved, searching for available properties, and negotiating an offer for the potential home. It also schedules a home inspection for the property and signs disclosures that include interest rates and final loan terms. CHS Team has more than 35 years of experience in the industry.

1156 Bowman Rd. Ste 200, Mt. Pleasant, SC 29464
WebsiteLicense: 1816118

Expertise.com Rating

Review Sources

Google
5.0 (56)
Facebook
5.0 (10)

Why choose this provider?

Parker Lending LLC offers a variety of mortgage options to residents of North Charleston. It has loan programs for investment buyers, first-time buyers, and those who want to purchase their second homes. The company refinance loans for homeowners who want to obtain lower monthly payments or shorter terms and reverse mortgages for seniors. Company owner Chip Parker strives to close his clients' loans on time. He also maintains open and prompt communication with clients to keep them informed of the loan process.

  • Refinance

32 Cooper St., Charleston, SC 29403
WebsiteLicense: 66708

Expertise.com Rating

Review Sources

Google
4.9 (47)
Facebook
4.6 (25)

Why choose this provider?

Sweetgrass Capital is an independent mortgage banker that serves clients in North Charleston. It aims to make homeownership possible for individuals and families throughout the metro and neighboring areas by providing them with a wide selection of loan products that fit their requirements and goals. Its mortgage consultants work with real estate agents and home builders and also serve clients in Georgia, Virginia, Illinois, Indiana, and Alabama. The firm's founder, Jarrett Hodson, has been in the residential finance industry since 2005.

  • Refinance
  • New Construction

2265 Clements Ferry Rd. Suite 208, Charleston, SC 29492
WebsiteLicense: 340929

Expertise.com Rating

Review Sources

Google
5.0 (163)
Facebook
5.0 (37)

Why choose this provider?

Coastlend Mortgage is a lending company serving customers in North Charleston and the surrounding areas. It has been helping individuals and families achieve their home ownership goals since 2006. It offers a wide variety of mortgage options, including jumbo, conventional, VA, FHA, and USDA loans. It aims to provide a smooth home buying experience by streamlining its loan application and approval process. The founder and CEO of Coastlend Mortgage, Eddie O'Neill, has been in the mortgage industry since 2004.

  • Refinance

7 Radcliffe St Ste 200, Charleston, SC 29403
WebsiteLicense: 71583

Expertise.com Rating

Review Sources

Google
5.0 (110)
Zillow
5.0 (100)
Facebook
4.4 (13)

Why choose this provider?

Wes Sellew offers mortgage broker services around North Charleston. Wes works with Princeton Mortgage, a company with over 35 years in the mortgage banking industry. He assists clients in buying homes through mortgage services. The broker walks clients through the process, which involves application; mortgage origination, processing, and underwriting; and closing. His affiliation, Princeton Mortgage, is recognized as a Fannie and Freddie Approved Seller Servicer and approved by Rural Housing. It is also an FHA Full Eagle.

  • Refinance
  • New Construction

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
Tabor Mortgage Group
2000 Sam Rittenberg Blvd, Suite 2020, Charleston, SC 29407
Lisa Simpson ~ Mid America Mortgage
120 Varnfield Dr Suite A, Summerville, SC 29483
Leeward Point Mortgage
215 East Bay St. #403F, Charleston, SC 29401
Peoples Bank Mortgage
4401 Belle Oaks Drive Suite 210, North Charleston, SC 29405
Home Loans Inc.
2557 Aahley Phosphate Rd, North Charleston, SC 29418
Lowcountry Home Loans
802 Coleman Blvd Suite 209, Mt. Pleasant, SC 29464
Classic Home Mortgage
134 E Richardson Ave, Summerville, SC 29483
CHS Team
1322 Rutledge Ave, Charleston, SC 29403
Parker Lending LLC
1156 Bowman Rd. Ste 200, Mt. Pleasant, SC 29464
Sweetgrass Capital
32 Cooper St., Charleston, SC 29403
Coastlend Mortgage
2265 Clements Ferry Rd. Suite 208, Charleston, SC 29492
Wes Sellew
7 Radcliffe St Ste 200, Charleston, SC 29403

FAQs

  • Introduction

    It’s the American dream to buy property, and almost everyone who purchases a home does so with the help of a mortgage broker. It can be intimidating when you don’t know where to begin, what information is necessary, and how to receive a loan. A mortgage broker acts as an intermediary between the applicant and the financial institution.


    The mortgage broker’s role includes comparing loan terms across lenders to find applicants the best options, collecting paperwork the financial institution needs to analyze the application, and guiding the buyer through the underwriting and closing processes. Mortgage brokers can significantly simplify the home buying process.

  • Can mortgage brokers work across state lines?

    Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for mortgage brokers. Customers should ensure their broker can legally work in another state before going across state lines. Lastly, don’t forget the mortgage process is often time-sensitive, so being in different time zones can be problematic.

  • How do mortgage brokers find lenders?

    Mortgage brokers work independently and act as a bridge between the client and the lender. They reach out to several lenders to form a network and build professional relationships with those they work with often. They use lenders who best meet a client's rates and terms, and some lenders only do business through mortgage brokers.  

  • What credit score do mortgage brokers use?

    There are two credit scoring models in the United States: FICO and VantageScore. Mortgage lenders typically prefer to use FICO. However, each credit bureau uses a different version of the FICO score:

    • Experian uses FICO Score 2
    • Equifax uses FICO Score 5
    • TransUnion uses FICO Score 4

  • Do mortgage brokers help with refinancing?

    Yes, mortgage brokers can help with refinancing. Individuals who have a solid credit score will typically go to their bank to refinance their mortgage. However, if you don't have excellent credit, a mortgage broker may be able to secure you a better interest rate than you could get on your own.

    You pay a fee to the mortgage broker, so you'll want to consider this fee versus your savings in your cost-benefit analysis.
  • Can you work with two mortgage brokers?

    You can definitely work with two mortgage brokers. The advantage of using multiple brokers is that you'll have two people reaching out to several lenders to secure the best rate possible. However, you must ensure you provide matching information to all your brokers. If two brokers provide mismatched information about your application to the same lender, it can send off red flags and delay your approval process.

  • Do mortgage brokers get better deals?

    Yes, a mortgage broker should be able to get you a better deal. Mortgage brokers go to several lenders on your behalf and find the one with the best terms and interest rates. However, note that some mortgage brokers have preferred lenders. A broker may bring you their preferred lender's offer, even if it's not the best one; however, this isn't a regular practice.