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Mortgage Refinancing Help
: Regional: North America: United States: South Carolina: Business and Economy
: Real Estate (16)
 Closing costs can be expensive. If you plan on refinancing your home to save money, be sure to take into consideration how much the closing costs on the new loan will cost you.
 See also:
 Carolina Realty & Associates »
Selling real estate and offering property management along the Grand Strand, Pee Dee area and North Carolina. Includes agent profiles, MLS search, and buyer and seller tips. Located in Mullins and Longs.
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 Fortune Academy »
Offers classroom instruction for real estate agents, home inspectors, appraisers, and mortgage lenders from locations throughout South Carolina. Includes class schedules, company profile, and registration form.
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 SCRENews »
Blog provides news and statistics on the state of the commercial and residential markets throughout the state.
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 Affordable Housing Coalition of South Carolina »
Advocacy group serving low-income citizens of the state. Features mission and services, membership information, resources, news and events.
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 Gardener Relocation Guides »
Offers online ordering of free relocation magazines for Charleston and Columbia.
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 ERA Wilder Realty »
Agency with offices in Columbia, Chapin, Bamberg, Manning and the Charlotte area; offers information on homes, land, and commercial properties for sale.
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 The Real Estate School of South Carolina »
Offers online and classroom instruction for sales, broker, appraisal and property management licenses, as well as continuing education. Includes class schedules, fees, and instructor profiles.
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 Piedmont Regional Association of REALTORS »
Serves the communities in York, Lancaster, and Chester counties of South Carolina, and Mecklenburg County, North Carolina. Includes details on membership, member directory, listings, and event calendar.
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 South Carolina Real Estate Commission »
Regulates businesses and individuals representing others in real property transactions, including time shares; includes agency directory, statutes, forms and licensee search.
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 South Carolina Association of REALTORS »
Find out about membership, get recent market statistics, or find out about continuing education courses.
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 The majority of your mortgage payment goes toward paying interest. To save an astounding amount of money over the long term, choose a mortgage loan with a lower rate and a shorter payback term. A 15-year mortgage may be just what the financial planner ordered. This type of loan carries a larger monthly payment; but if your budget can withstand the jolt, you can save big bucks over the long haul.
Both new homebuyers and refinancers can get free access to the credit reports that lenders use by visiting AnnualCreditReport.com, a website created via Congressional mandate. A free report from each of the three consumer reporting agencies -- TransUnion, Experian and Equifax -- is available at no cost every 12 months. Check for errors; if mistakes are found, don't hesitate to dispute any and all inaccurate and derogatory items.
Unless you are getting a lower interest rate, refinancing your home may cost you more money in the long run and may require you to pay higher monthly payments.
Use a mortgage broker. A mortgage broker will show you mortgage products from different banks and mortgage providers. Pick a mortgage broker carefully. If the broker works directly for a company that offers financial products, make sure he shows you clearly why one of these products is better. Mortgage brokers also get a commission on their sales. Find out what the broker's services include and if he charges any fees. Many brokers do not charge fees beyond their commission. Also check the broker's credentials.
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