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South Carolina Mortgage Refinance
A South Carolina mortgage refinance can lower your payment, shorten your term, or turn equity into cash, and we help you see clearly whether the move actually saves you money before you commit to anything.
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South Carolina homeowners
Refinancing your home in South Carolina
A South Carolina mortgage refinance replaces your current home loan with a new one, ideally on better terms, and the math only works when your long-term savings outweigh the cost of the new loan. From the Lowcountry and Charleston to the Midlands and the Upstate, homeowners across South Carolina refinance for different reasons, and the right answer depends on your goal and how long you plan to keep the home.
South Carolina has seen steady population growth and active housing demand across its coastal and inland markets, which means many homeowners have built meaningful equity over the years. That equity, paired with your goal, shapes whether a rate-and-term, cash-out, or streamline refinance is the better path. As a veteran-owned broker based in North Charleston, we know the South Carolina market and we work the numbers with you, in writing, before any credit pull.
Your options in South Carolina
Refinance options available to South Carolina homeowners
Every refinance answers a different question. Pick the goal that sounds like yours and read the page built around it.
Rate-and-term refinance
Lower your monthly payment or pay your South Carolina home off faster by changing your rate, term, or both.
See if it fits →Cash-out refinance
Turn the equity in your South Carolina home into cash for renovations, debt payoff, or big goals in one new loan.
View cash-out →VA IRRRL streamline
If you have a VA loan, the Interest Rate Reduction Refinance Loan can lower your rate with less paperwork. Many South Carolina veterans qualify.
See if it fits →FHA & USDA streamline
Have an FHA or USDA loan on your South Carolina home? A streamline refinance can simplify the path to a lower rate.
See if it fits →Licensed here
A mortgage broker licensed in South Carolina
Home Loans Inc is a licensed mortgage broker authorized to originate residential mortgage loans for South Carolina properties, and Jason Sharon is a licensed mortgage loan originator serving South Carolina borrowers. You can verify both licenses on the Nationwide Multistate Licensing System at nmlsconsumeraccess.org using company NMLS 1728740 or personal NMLS 1281448.
Meet your loan originator
I am your MLO
Jason Sharon
Navy Veteran · Broker/Owner · NMLS 1281448
I am Jason Sharon, a Navy veteran and the Broker/Owner of Home Loans Inc. When you refinance in South Carolina, you work directly with me, not a rotating call center. I shop wholesale lenders on your behalf, put the break-even math in writing, and tell you plainly when a refinance does not make sense for you.
My promise is simple: no junk fees, no pressure, and a straight answer every time. Let us look at your numbers together.
What it costs
Refinance closing costs in South Carolina
Refinance closing costs in South Carolina can include lender fees, title and settlement charges, recording fees, and other state-related items, and they vary by loan amount and lender. We do not publish guessed dollar figures. Instead, we show you your actual numbers and the break-even point so you can decide with clear eyes. Our no-credit-pull estimator will live here soon.
Estimate your refinance closing costs
Use our refinance calculator to estimate your South Carolina refinance closing costs and break-even point, with no credit pull.
Questions
South Carolina refinance FAQ
How do I refinance my mortgage in South Carolina?
Start by telling us your goal, and we run your break-even math with no credit pull to begin. As a broker licensed in South Carolina, we then shop wholesale lenders, lock your terms, and guide you through underwriting and closing.
Is Home Loans Inc licensed to refinance homes in South Carolina?
Yes. Home Loans Inc is a licensed mortgage broker for South Carolina properties, and Jason Sharon is a licensed loan originator. You can verify company NMLS 1728740 and personal NMLS 1281448 at nmlsconsumeraccess.org.
What does it cost to refinance a home in South Carolina?
A South Carolina refinance has closing costs like any mortgage, which can include lender, title, recording, and state-related items. The right question is whether your monthly savings outearn those costs before you would sell or pay off the loan, and we put that math in writing for you.
Can South Carolina veterans use a VA IRRRL to refinance?
Many can. The VA IRRRL is a streamlined refinance for homeowners who already have a VA loan, and it often involves less paperwork. As a veteran-owned broker, we help South Carolina veterans see whether it fits. Refinancing your existing mortgage loan may reduce your monthly payment, but may result in higher total finance charges over the life of the loan.
Can I take cash out when I refinance in South Carolina?
Yes. A cash-out refinance lets South Carolina homeowners turn equity into cash in a single new loan. See our cash-out refinance page for how it works and what to consider.
How soon can I refinance my South Carolina home?
It depends on your current loan type and lender seasoning rules, but many homeowners can refinance within a few months of their last closing. We check your specific situation before you spend a dollar.
Meet your loan originator
Your South Carolina mortgage loan originator
Jason Sharon
Owner / Mortgage Loan Originator
NMLS 1281448 · Company NMLS 1728740
I am Jason Sharon, a Navy veteran and the Broker/Owner of Home Loans Inc, based right here in North Charleston. South Carolina is my home state, and when you refinance here you work directly with me, not a rotating call center. I shop wholesale lenders on your behalf, put the break-even math in writing, and tell you plainly when a refinance does not make sense for you. My promise is simple: no junk fees, no pressure, and a straight answer every time.
Home Loans Inc is a licensed mortgage broker for South Carolina properties, company NMLS 1728740, and I am a licensed loan originator, personal NMLS 1281448. You can verify both at nmlsconsumeraccess.org.
State details
Refinancing in South Carolina: what to know
Closing & funding
South Carolina requires an attorney to supervise the refinance from title work through closing (State v. Buyers Service). Closings are wet, with funds wired at signing and held through rescission.
Spousal signing
South Carolina abolished dower and curtesy in 1985. A non-titled spouse does not have to sign the mortgage on a refinance. Homestead here is a creditor and tax protection, not a signing requirement.
Taxes on a refinance
South Carolina does not impose a special tax on a refinance. Expect recording fees only, since a rate-and-term or cash-out refinance does not create a new deed transfer.
Cash-out & rules
Cash-out loan-to-value follows investor and agency guidelines, not a state cap. South Carolina does require pre-close housing counseling on high-cost loans, caps financed points at 2.5%, and applies a 42-month anti-flipping benefit test.
Good to know
South Carolina uses non-judicial foreclosure and is an attorney-closing state, which is why remote online notarization is not generally usable for a full refinance e-close here.
General information, not legal or tax advice. Confirm specifics with your closing attorney or title company.
Keep reading
Related refinance resources for South Carolina
Rate-and-Term Refinance
Lower your rate or change your term without taking cash out.
Learn more →Cash-Out Refinance
Turn home equity into cash in a single new loan, subject to eligibility and lender guidelines.
Learn more →VA IRRRL Streamline
A streamlined refinance for homeowners who already have a VA loan.
Learn more →Refinance Calculator
Estimate your savings and break-even point with no credit pull.
Learn more →Refinance by State
See how a refinance works in every state we cover.
Learn more →Ready to see if refinancing saves you money in South Carolina?
Start your refinance online in minutes, or book a quick call. No credit pull to get your numbers.