Refinance in Charleston, SC
Lower Your Rate. Tap Your Equity. Refinance With Confidence.
Whether you want to reduce your monthly payment, shorten your loan term, or pull cash out for renovations or investments, Leeward Point Mortgage shops dozens of lenders to find the best refinance option for your situation.
Refinance Programs
Rate & Term Refinance
Reduce your interest rate, lower your monthly payment, or shorten your loan term. Ideal for homeowners who want to improve their loan without taking cash out.
Cash-Out Refinance
Access your home equity as cash for home improvements, debt consolidation, investment purchases, or other financial goals. Available on primary residences, vacation homes, and investment properties.
DSCR Refinance
Refinance an investment property based on its rental income — not your personal income. Perfect for investors looking to improve cash flow or pull equity from a performing rental.
Jumbo Refinance
Refinancing a high-value Charleston property above conforming loan limits? We offer competitive jumbo refinance options with flexible qualification criteria.
Non-QM Refinance
Self-employed or have complex income? Bank statement and Non-QM refinance programs let you qualify using alternative documentation rather than traditional tax returns.
VA Streamline (IRRRL)
Eligible veterans and active-duty service members can reduce their VA loan rate with minimal documentation and no appraisal required in most cases.
When Does Refinancing Make Sense?
Rates Have Dropped
If current rates are meaningfully lower than your existing rate, refinancing can reduce your monthly payment and total interest paid over the life of the loan.
You Need Cash
A cash-out refinance lets you tap built-up equity for renovations, investment purchases, or consolidating higher-interest debt.
You Want to Pay Off Faster
Refinancing from a 30-year to a 15-year loan can save tens of thousands in interest if your budget supports the higher payment.
Your Income Picture Changed
Became self-employed? Bought investment properties? A Non-QM or DSCR refinance may better fit your current financial profile.
Why Refinance With Leeward Point Mortgage?
Ready to Explore Your Refinance Options?
Let's review your current loan and run the numbers. A quick conversation can tell you whether refinancing makes sense right now.