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Directory of mortgage refinance companies in Irmo, South Carolina. Verify credentials with the state mortgage licensing authority before hiring.
3 agents listed
Updated May 2026
Irmo, 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 3 mortgage refinance companies in Irmo, 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.
Sabra Lane - Ameris Bank Mortgage
1200 Lake Murray Blvd, Irmo, SC 29063
8034936999
Inland Home Mortgage: Shelley Woodward
7801 St Andrews Rd suite a2, Irmo, SC 29063
8036384284
Flow Mortgage - Josh Collins
7554 Woodrow St Suite 104, Irmo, SC 29063
8033311716
Mortgage refinance companies in Irmo South Carolina help homeowners adjust their loan terms or lower their interest rates. South Carolina law requires lenders to provide a good faith estimate of closing costs within three business days of application. Local companies understand the Irmo real estate market and can guide you through the refinance process efficiently.
What Does a Mortgage Refinance Company in Irmo Cost?
Typical costs for a mortgage refinance in South Carolina include an origination fee of 0.5 to 1 percent of the loan amount plus appraisal fees around 400 to 700 dollars and title search fees of 200 to 400 dollars. The documentary stamp tax adds about 0.10 per 100 dollars borrowed. Total closing costs often 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 documents do I need to refinance a mortgage in Irmo?
You typically need recent pay stubs tax returns bank statements and a valid ID. South Carolina requires lenders to verify your income and assets under state lending regulations. The exact list may vary by lender.
How long does a mortgage refinance take in South Carolina?
A standard refinance in South Carolina usually takes 30 to 45 days from application to closing. This timeline can change based on appraisal availability and your lender's workload. South Carolina law does not set a specific maximum time limit for the process.
Are there any South Carolina laws that affect refinancing costs?
Yes South Carolina imposes a documentary stamp tax on mortgage recordings which is typically 0.10 per 100 dollars of the loan amount. This tax is paid at closing and adds to your total refinance costs. Always ask your lender for a detailed fee breakdown.
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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.