Refinance Mortgage South Carolina

Mortgage Refinancing In South Carolina

1st Advantage Mortgage offers refinancing solutions for your South Carolina home, designed to reduce your monthly mortgage payments, secure more favorable interest rates, or convert your home equity into cash for various purposes, including debt consolidation or home improvements.

South Carolina Mortgages Streamlined

Getting a home loan can be a breeze, and guess what? Refinancing can be just as easy. We’ve tweaked the process to make refinancing your home faster and hassle-free.

We’ve Got a Mortgage For You

Types of Mortgages For Homeowners In South Carolina

Not sure what type of Advantage Mortgage you need or what you qualify for? Take a look at the types of home loans we offer, and then get in touch to meet your Mortgage Coach.

Your Mortgage Coach is your personal resource through the loan process, providing guidance to ensure you find the best loan with the right payment options.

Fixed-Rate Mortgage (15 or 30 years)

With a fixed-rate 15- or 30- year mortgage, your interest rate stays the same throughout the lifetime of your loan.

Adjustable Rate Mortage(ARM)

Take advantage of potentially lower interest rates during the initial fixed interest rate period.

Cash Out Refinancing

With FHA and VA cash-out refinancing, replace your mortgage with a loan worth more than your home so you can pocket the difference.

FHA Streamline Refinancing

Get a lower interest rate and monthly payment with limited paperwork and no home appraisal or credit check.

Interest-Rate Reduction Refinance Loan

The classic traditional loan with low rates and low down payment options.

Fannie Mae RefiNow

An FDA-issued loan offering low down payments and closing costs for eligible properties.

We've Got Your Back

Confused About Refinancing? Don't Worry.

Whether you need to refinance a1st Advantage Mortgage in or are considering a mortgage refinance in , 1st Advantage Mortgage has a variety of options that will help you get the results you need.

In addition to our popular urban refinancing options, we also offer refinancing in South Carolina’s rural areas. Our Mortgage Coaches will help you determine the best refinancing option for your specific situation

See What Our Clients Have To Say About Our Home Loan Services

Our process makes refinancing easier for homeowners in the Carolinas. But don’t just take our word for it – check out our customer reviews to see what they have to say about our mortgage refinancing services.

View More Customer Testimonials

     
 
 
      Posted on Google  
   
   Aliza 
 2 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Awesome to work with!
  
 
     Posted on Google  
   
   Lich Rahlan 
 1 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. At first i worked with another lender I described everything about my situation planned to buy a house at first they feel very  nice after that they denied my application they knew that its gonna be tough, they not trusted my work. After I found Kevin and his team Nathan they were great, i recommended at first im so hesitated to ask when I need help with something I didn't understand after that i feel comfortable to asked. The first time I talk with him I can feel he very happy to help me out  to get a house for our family I feel like he trusts in my worked, we had a struggle at the end but we did it, finally we closed on our home,because of their work,my worked,and our worked  together ❤️ .
  
 
     Posted on Google  
   
   morgan kristine 
 31 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. 10/10 would recommend!
  
 
     Posted on Google  
   
   angelica huffstetler 
 31 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. I like the most that they helped me find the perfect loan & i would definitely recommend them to anyone 🙂
  
 
     Posted on Trustindex  
   
   angelica huffstetler 
 31 August 2026
 
 
 Trustindex verifies that the original source of the review is Trustindex. I like the most that they helped me find the perfect loan & i would definitely recommend them to anyone 🙂
  
 
     Posted on Google  
   
   Seth Wall 
 25 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. Everything went really smooth. Charlie is quick to respond and had a good answer to every question I had. His team that works with him is also answers promptly. Overall, they create a smooth experience with something that can be very complex.
  
 
     Posted on Google  
   
   Jacob Dixon 
 21 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. This helped me and my wife buy our home. Kennith, our agent, work extremely hard to help answer our questions and get us to the finish line. I couldn't recommend this company more to people wanting to acquire a home. They even worked with me who had little to no credit, so they can help.
  
 
     Posted on Google  
   
   AVMG 
 19 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. I’ve had the opportunity to connect with the team at 1st Advantage Mortgage, and they’ve been great to work with. They’re knowledgeable, professional, and genuinely seem to care about helping people understand their mortgage options rather than just pushing a loan. Their communication and willingness to explain the process really stand out. I would definitely recommend checking them out if you’re looking for a mortgage broker in the Charlotte area.
  
 
     Posted on Google  
   
   Rolly Marlow 
 14 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. Michael is awesome. He was available to answer any financial questions and made sure we got the best rate.  He was a pleasure to deal with during this stressful time. Pick Michael, we are glad we did!!
  
 
     Posted on Google  
   
   Patrick Cox 
 13 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. As an agent it’s always crucial to build out your network with professional, quality, and communicative sources. It’s also a plus when they’re fun to work with as well! There’s no one better in the business. Can’t recommend these guys enough!
  
 
 
  
 
 
   Trustindex rating score: 5.0 of 5, based on 290 reviews

Frequently Asked Questions

South Carolina Mortgage Refinance FAQs

Why are refinance rates higher?

In most cases, refinance rates are not significantly higher than rates for purchase loans. Refinance rates can vary between lenders, however. Some may have higher interest rates but lower fees, which can affect the APR (also known as the annual percentage rate, which includes the interest rate, lender fees, and other refinance charges).

Is it cheaper to refinance with my current lender?

It depends. While it’s sometimes cheaper to refinance with your current lender, it’s also common for other lenders to offer better interest rates and fees that decrease your costs. If you’re refinancing your home, you should research different refinance lenders, and compare rates to find the best deal.

Can I refinance my mortgage with no closing costs?

Yes. There are home refinancing options with no closing costs, which are known as “no closing cost refinances.” However, while no closing cost refinances save you money up-front, they aren’t always the most affordable option long-term. No closing cost refinances charge you a higher interest rate in order to waive the closing costs, meaning you could end up with a larger overall mortgage bill.

What is the average closing cost to refinance a mortgage?

Closing costs to refinance a mortgage are typically 2% to 5% of your mortgage. Most homeowners pay $3,000 to $5,000 in closing costs to refinance a mortgage.

How does refinancing work with equity?

A borrower needs a certain amount of equity in their home to refinance. Most rate and term refinance are allowed with 5% equity in the home (95% LTV). Others, who do a cash-out refinance, will have at least 20% equity in their homes when they refinance, and they can use the refinancing to cash out on that equity. In some cases, you may lose equity when you refinance. In others, you can use your equity to pay the closing costs for your refinancing.

If you’re interested in how refinancing will affect your equity, contact our team today. We can help you determine the most likely effect refinancing will have on your equity.

Helping Homeowners Throughout South Carolina

South Carolinas Mortgage Experts

If you’re not sure what type of refinancing is right for you, get in touch with us. Our 1st Advantage Mortgage Mortgage Coaches in the Carolinas can walk you through the process of refinancing your home, including evaluating your needs and goals so they can match you with the best option for your situation.

But it doesn’t have to be that way: Secure a home loan with 1st Advantage Mortgage, and experience our streamlined, hassle-free lending process.

No matter which type of home loan you choose, our NC & SC Mortgage Coaches will help you get it without the usual frustration.

Mortgage Lenders In South Carolina

1st Advantage Mortgage is a refinance lender offering mortgage refinance services throughout South Carolina. In addition to serving the Charlotte area,1st Advantage Mortgage also offers mortgage refinancing in Raleigh, Wilmington, Greensboro, and Greenville, SC.

If you’re interested in refinancing and aren’t sure if 1st Advantage Mortgage serves your area, contact us. We’re active throughout the entire Southeast.

Legal information

² No -Down Payment Disclaimer: Closing costs and fees may still apply

³ Lending Disclaimer: Mortgage rates are subject to change and depend on the borrower(s) qualification. APR rate(s) quoted are based upon a (loan amount), (loan term, including whether fixed or ARM) year.

⁴ Refinancing Disclaimer: When refinancing your mortgage , you can typically reduce your monthly payment amount. However, your total finance charges may be greater over the life of your loan. Your 1st Advantage Mortgage loan professional will provide you with a comprehensive refinance comparison analysis to determine your total life loan savings.

⁵ VA Mortgage Disclaimer: VA home loan purchases offer options for a 0% down payment, no private mortgage insurance requirements, and competitive interest rates with specific qualification requirements. VA Interest Rate Reduction Loans (IRRRL) are exclusively for veterans with current VA loans – current loan rate restrictions apply, and limits to recoupment of costs and fees apply. VA cash-out refinances are available for veterans with or without current VA loans. Policies and guidelines may vary and are subject to individual borrower(s) qualifications. Program and lender overlays apply.

⁶ Down Payment Assistance Disclaimer: First-lien interest rates may be higher when using a DPA.

⁷ Pre-Approval Disclaimer: Pre-approvals are granted to clients who meet qualifying approval criteria and specific loan requirements at the time of application. Results may vary.

General Disclaimer: The content on this page has not been approved, reviewed, sponsored, or endorsed by any department or government agency.

NMLS® Consumer Access℠: https://nmlsconsumeraccess.org/

North Carolina Mortgage Broker License: B-217173

Florida Mortgage Broker License: MBR6689