ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Directory of mortgage refinance companies in Elgin, South Carolina. Verify credentials with the state mortgage licensing authority before hiring.
6 agents listed
Updated May 2026
Elgin, SC
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the South Carolina before hiring.
Showing 6 mortgage refinance companies in Elgin, SC
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Guild Mortgage - Beth Quick
566 Spears Creek Church Rd #101, Elgin, SC 29045
8033190733
Guild Mortgage - Trey Baker
566 Spears Creek Church Rd #101, Elgin, SC 29045
8033913558
Bill Oliver-Clear Modern Mortgage
161 Pontiac Business Center Dr ste 1208, Elgin, SC 29045
8039134806
Guild Mortgage Company
566 Spears Creek Church Rd #101, Elgin, SC 29045
8037644605
Guild Mortgage - Athena Leventis
566 Spears Creek Church Rd #101, Elgin, SC 29045
8033913549
Guild Mortgage - James Nobles
566 Spears Creek Church Rd #101, Elgin, SC 29045
8033913550
Mortgage refinance companies in Elgin South Carolina help homeowners lower their interest rates or change loan terms. South Carolina law requires lenders to provide a clear Loan Estimate within three business days of application. Local companies understand the Elgin real estate market and can guide you through the refinance process.
What Does a Mortgage Refinance Company in Elgin Cost?
Typical costs for refinancing a mortgage in South Carolina include an origination fee of 0.5 to 1 percent of the loan amount, appraisal fees of 400 to 700 dollars, and title insurance of 500 to 1,000 dollars. The state documentary stamp tax adds about 150 dollars per 100,000 dollars borrowed. Closing costs generally range from 2 to 5 percent of the loan principal. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What is the typical timeline for refinancing a mortgage in Elgin South Carolina?
The refinance process usually takes 30 to 45 days from application to closing. South Carolina law requires a three day right of rescission after signing for most refinances. Your lender will provide a closing date after underwriting is complete.
Do I need a home appraisal to refinance in Elgin South Carolina?
Most refinance loans require a home appraisal to determine your propertys current value. Some government backed loans like FHA streamline refinances may waive the appraisal. Your mortgage refinance company will tell you if an appraisal is needed for your loan type.
Are there South Carolina specific fees for refinancing a mortgage?
South Carolina charges a documentary stamp tax on mortgage refinances at a rate of 0.15 percent of the loan amount. You may also pay recording fees and title insurance costs. Ask your lender for a full fee breakdown before closing.
Free • No Obligation
Compare Mortgage Refinance Companies
Get matched with agents in Elgin who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the South Carolina.