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Mortgage Refinancing Help
: Regional: North America: United States: South Carolina: Metro Areas and Regions: Greenville-Spartanburg Metro: Business and Economy
: Financial Services (15)
 If your monthly payment on a fixed-rate loan includes escrow amounts for taxes and insurance, your payment each month could change over time due to changes in property taxes, insurance, or community association fees.
 See also:
 Secured Advantage Federal Credit Union »
Organized in 1959 by employees of the Simpsonville plant of the Cryovac Division of W.R. Grace & Co. Find out about membership, banking services, and loan rates. Locations in Duncan and Simpsonville.
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 Carolina Foothills Federal Credit Union »
Serving federal employees and select employee groups; includes details on banking and lending services, classifieds, and account access.
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 Elliott Davis, LLC »
Certifies public accountants and consultants; includes newsletter and publications, company profile and staff biographies, description of services, and links.
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 Correll Insurance »
Independent agency offering details on insurance, risk management and financial services to individuals, families, businesses and industries.
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 First Trust Mortgage »
Offering loan options, credit reports and a calculator.
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 Accord Financial »
Provides factoring services for small and medium sized companies; includes details on services, programs, and contacts.
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 Carolina Title Lending »
Offers short term loans; includes details on locations and an online application.
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 Cornerstone National Bank »
Local bank with branches in Easley, Greenville, and Powdersville; includes account access, details on business and personal products, location and contact information.
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 The Commercial Bank »
Organized in 1934 as a financial services institution for the community; includes details on business and personal accounts, as well as directions to locations in Honea Path, Donalds, Due West and South Greenville.
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 CapitalBank »
Independent financial institution with locations from Abbeville to Newberry to Anderson; includes history, details on business and personal products, location and contact information.
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 Palmetto Bank »
Find out about banking and lending solutions, sign up for an account, or find location information.
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 The Peoples National Bank »
Community oriented bank providing details on financial services for Easley, Pickens, and Greenville.
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 Bank of Travelers Rest »
Offers details on checking and savings accounts, mortgages, and credit cards; includes branch locations and internet banking.
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 Community South Bank and Trust »
Find out about personal and business banking and loan services. Locations in Easley, Mauldin, Greenwood, and Spartanburg.
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 CWS Insurance Agency »
Independent agency with offices in Gaffney and Spartanburg; includes details on home, life, and auto policies, FAQs, and contact information.
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 When refinancing, don't take the first offer that comes around. Instead you should actively compare both interest rates and lenders.
Ask for more than just rates. Bad loan officers will tell you anything to keep you on the phone -- then change the details to suit them later. Instead, make them get real with you! Ask how long they've been in the industry. Probe them about their experience in the industry. Also, ask what their opinion is on the current market and where it's going.
Stick with a simple loan. It is easier to understand and less likely to get you into trouble. Adjustable-rate mortgages may seem like a way to get a bigger house now or to keep more money now, but when the rates adjust you can get into trouble. Avoid anything with a balloon payment. Just choose a simple 30-year mortgage you can easily afford.
Get your interest rate and closing costs in writing as soon as you decide on a lender to work with. Get your lender to give you a commitment in advance of all of the costs that will be involved with your loan. Find out if the refinance loan you are getting has a pre-payment penalty as well. Sometimes lenders will leave out important information like this, if they think it might scare you away from refinancing with them.
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