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Best Mortgage Refinance Companies in North Charleston

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Coastal Funding Charleston logo

Coastal Funding Charleston

551 Folly Road, Charleston, SC 29412
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  • Reverse Mortgages

Coastal Funding Charleston offers a wide variety of loan programs for clients throughout North Charleston and the surrounding areas. This local mortgage company has been in business since 2004, offering refinance programs that clients can choose from that match their particular needs and goals. Loan options are also available, such as conventional Fannie Mae and Freddie Mac, FHA, VA, USDA, and non-qualifying mortgage loans for buyers of single-family, condos, town homes, investment properties, modular, and manufactured homes.

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Home Loans Inc. logo

Home Loans Inc.

2557 Aahley Phosphate Rd, North Charleston, SC 29418
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  • Multi-Family Loans

Home Loans Inc. is a North Charleston-based mortgage brokerage. It assists clients seeking mortgage refinancing options to reduce their monthly payments, pay off a home loan faster, and consolidate high-interest debts. The company also offers lending programs tailored to first-time homebuyers and those who desire to acquire high-end homes. Firm owner Jason Sharon is a retired U.S. Navy veteran who founded the business in March 2015. He has been featured on Forbes, Yahoo Finance, and Money.com.

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Leeward Point Mortgage logo

Leeward Point Mortgage

215 East Bay St #403F, Charleston, SC 29401
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  • New Construction

Leeward Point Mortgage provides a variety of refinance options to customers in North Charleston. Its refinancing programs include USDA and VA streamline, FHA cash out, and conventional loans. Its mortgage professionals have worked with people refinancing their single-family residences, manufactured homes, townhouses, and condominiums. They also cater to families realizing their dream of homeownership by purchasing jumbo, FHA, or VA loans. The company has various calculator tools on its website to help customers make informed decisions about their loan applications.

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New South Mortgage Corporation logo

New South Mortgage Corporation

130 River Landing Dr., Suite 1-D, Daniel Island, SC 29492
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  • New Construction
  • Reverse Mortgages

New South Mortgage Corporation has been dealing with North Charleston clients since 1998. The company provides assistance to homeowners refinancing their mortgages. It structures loan programs that allow clients to reduce their interest payments or lower program term length. The company also offers various loan options for first-time homebuyers, including VA, FHA, and USDA mortgages. Owner and founder James “Jamie” Culler Jr. previously worked as a loan officer at the firm Prime Financial Group. He volunteers at the non-profit organization Habitat for Humanity.

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Peoples Bank Mortgage logo

Peoples Bank Mortgage

4401 Belle Oaks Drive Suite 210, North Charleston, SC 29405
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  • New Construction
  • Reverse Mortgages

Peoples Bank Mortage is a company based in North Charleston. It provides a refinancing option that goes through the conventional mortgage or mortgage terms loan process of application, approval, and closing. The firm also offers a pre-approval checklist that guides home buyers and owners in gathering information about filing and claiming loans. Since 1908, Peoples Bank Mortgage has been in business based on its 3S of stability, service, and scope. It is a subsidiary of Peoples Bank in Mississippi.

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Sonya Pitt logo

Sonya Pitt

101a Lumber Ln, Goose Creek, SC 29445
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  • New Construction
  • Reverse Mortgages

Sonya Pitt has been in the mortgage industry since 1998. Pitt is a mortgage loan originator for Premier Nationwide Lending, working to ease the stress of North Charleston clients in looking for a residence. As a certified military loan specialist and a veterans loans specialist, Pitt assists veterans, military members, and their spouses in purchasing homes. She also carries various mortgage plans, such as FHA, jumbo, USDA, fixed-rate, and adjustable-rate loans. Additionally, Pitt helps individuals decide whether refinancing fits their situation and goals.

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Tabor Mortgage Group logo

Tabor Mortgage Group

2000 Sam Rittenberg Blvd, Suite 2020, Charleston, SC 29407
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  • Reverse Mortgages

Tabor Mortgage Group provides services to clients in Charleston and the surrounding areas. It offers mortgage refinancing solutions to help clients reduce their loan terms, lower their interest rates, obtain cash back and home improvement funds, and remove mortgage insurance. It also serves first-time homebuyers wishing to apply for conventional, USDA, VA, and FHA programs to purchase a residential property. Construction loans are also available for individuals and families wanting to build new homes or add rooms to their properties.

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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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