South Carolina Mortgage Rates

February 27, 2015 08:55 PM Eastern

Refinance rates now in COLUMBIA, SC [Change this]

FHA 30 Year Fixed Rates as low as

Interest Rate
3.250%
APR
4.112%
Monthly Payment
$1,005
Sebonic Financial
Interest Rate
3.250%
APR
4.112%
Monthly Payment
$1,005
(866) 544-4064 Contact
Sebonic Financial
Email Lender

Offer Details

Home Value $250,000
Requested Loan Amount $200,000
Lock Period 30 Days
Down Payment $50,000
Principal and Interest Payments $871
Estimated Mortgage Insurance Payments $134
Total Monthly Mortgage Payment $1,005
Lender Fees $3,696
Lender Credit $0
Total Closing Fees* $3,696
*Other 3rd party fees may apply
Sebonic Financial
Email Lender

About the Lender

Sebonic Financial is a division of Cardinal Financial Company, a full service mortgage banking firm in operation since 1987.  The company is an approved seller/servicer for Fannie Mae, Freddie Mac and Ginnie Mae. Cardinal is also an approved lending institution for the Department of Housing and Urban Development/Federal Housing Administration and the Department of Veteran Affairs/Veterans Administration with FHAs Direct Endorsement and VA Automatic Lender Authority.  Cardinal is an authorized lender for the USDA/Rural Housing Program, the Pennsylvania Housing Finance Agency and the New Jersey Mortgage Housing Finance Agency.

 

Cardinal is licensed by the Departments of Banking in many states, mainly in the eastern and southeastern United States.  Its retail and wholesale divisions originate first mortgage loans for qualified borrowers.

Sebonic Financial
Email Lender Write a Review

Lender Reviews

A ok

Yes, I recommend this lender

A ok!

By: SgtGitRDone (Katy, Texas)

Great for the uncomplicated borrower.

Yes, I recommend this lender

Although I was unable to consummate the loan process, for reasons I'll explain, they tried to get it approved. Even though I earn a significant 6 figure salary, I am paid buy my corporation who is paid by my law firm. The earnings being completely distributed each year yielded 0 income. Their underwriters could not wrap their head around that. Bottom Line, If you are not in that situation it should be a short and easy process. If you are, then let them know ahead of time so they can be upfront. Otherwise they are very well organized and do their best to find you the best rates.

By: jjhuckleberry (53125)

Most Stressful ReFi We have Ever Done

I will open by saying that when all was said and done our refi closed with the terms agreed to. However... we have done several refi's through the years and this was hands down the most stressful one we went through. I had to stay on top of the process the WHOLE time - something I have never had to do. I can't imagine what would have happened if I wasn't so diligent in ensuring - and at times facilitating - that things were moving along. Our loan processor was very kind when I was able to get a hold of her, but getting a hold of her was no easy task. I'm a patient person and totally understand that "stuff happens", but I have no tolerance for someone not at least taking 30 seconds to reply with, at minimum, "I got your message, I'm swamped, and will get back with you just as soon as I can." I ultimately had to reach out to someone else to get the service that I needed. The process took much longer than expected, in part due to documents not being submitted in full by Sebonic/Cardinal. (We subordinated our HELOC in the refi.) When it came time to close, I was told I would have to PAY $2,000 in costs; I was shocked! I was told the loan would cost less than half that and that the amount would be rolled into the new loan (except for the appraisal). Again, after making multiple phone calls expressing my frustration (in a firm but kind manner), numbers were eventually adjusted so we would not have to pay out of pocket. As I said at the beginning, all worked out ok in the end, but because of the frustration and stress we experienced, and the "babysitting" I had to do throughout the process, I cannot in good conscience recommend them. They clearly have some very positive reviews and happy customers; we, unfortunately, did not have the experience they did.

By: Fedsavings911bad (Orange County, CA)
See All Reviews
Sebonic Financial
Interest Rate
3.625%
APR
3.690%
Monthly Payment
$913
(866) 544-4064 Contact
Sebonic Financial
Email Lender

Offer Details

Home Value $250,000
Requested Loan Amount $200,000
Lock Period 30 Days
Down Payment $50,000
Principal and Interest Payments $913
Estimated Mortgage Insurance Payments $0
Total Monthly Mortgage Payment $913
Lender Fees $1,594
Lender Credit $0
Total Closing Fees* $1,594
*Other 3rd party fees may apply
Sebonic Financial
Email Lender

About the Lender

Sebonic Financial is a division of Cardinal Financial Company, a full service mortgage banking firm in operation since 1987.  The company is an approved seller/servicer for Fannie Mae, Freddie Mac and Ginnie Mae. Cardinal is also an approved lending institution for the Department of Housing and Urban Development/Federal Housing Administration and the Department of Veteran Affairs/Veterans Administration with FHAs Direct Endorsement and VA Automatic Lender Authority.  Cardinal is an authorized lender for the USDA/Rural Housing Program, the Pennsylvania Housing Finance Agency and the New Jersey Mortgage Housing Finance Agency.

 

Cardinal is licensed by the Departments of Banking in many states, mainly in the eastern and southeastern United States.  Its retail and wholesale divisions originate first mortgage loans for qualified borrowers.

Sebonic Financial
Email Lender Write a Review

Lender Reviews

A ok

Yes, I recommend this lender

A ok!

By: SgtGitRDone (Katy, Texas)

Great for the uncomplicated borrower.

Yes, I recommend this lender

Although I was unable to consummate the loan process, for reasons I'll explain, they tried to get it approved. Even though I earn a significant 6 figure salary, I am paid buy my corporation who is paid by my law firm. The earnings being completely distributed each year yielded 0 income. Their underwriters could not wrap their head around that. Bottom Line, If you are not in that situation it should be a short and easy process. If you are, then let them know ahead of time so they can be upfront. Otherwise they are very well organized and do their best to find you the best rates.

By: jjhuckleberry (53125)

Most Stressful ReFi We have Ever Done

I will open by saying that when all was said and done our refi closed with the terms agreed to. However... we have done several refi's through the years and this was hands down the most stressful one we went through. I had to stay on top of the process the WHOLE time - something I have never had to do. I can't imagine what would have happened if I wasn't so diligent in ensuring - and at times facilitating - that things were moving along. Our loan processor was very kind when I was able to get a hold of her, but getting a hold of her was no easy task. I'm a patient person and totally understand that "stuff happens", but I have no tolerance for someone not at least taking 30 seconds to reply with, at minimum, "I got your message, I'm swamped, and will get back with you just as soon as I can." I ultimately had to reach out to someone else to get the service that I needed. The process took much longer than expected, in part due to documents not being submitted in full by Sebonic/Cardinal. (We subordinated our HELOC in the refi.) When it came time to close, I was told I would have to PAY $2,000 in costs; I was shocked! I was told the loan would cost less than half that and that the amount would be rolled into the new loan (except for the appraisal). Again, after making multiple phone calls expressing my frustration (in a firm but kind manner), numbers were eventually adjusted so we would not have to pay out of pocket. As I said at the beginning, all worked out ok in the end, but because of the frustration and stress we experienced, and the "babysitting" I had to do throughout the process, I cannot in good conscience recommend them. They clearly have some very positive reviews and happy customers; we, unfortunately, did not have the experience they did.

By: Fedsavings911bad (Orange County, CA)
See All Reviews
Capital One
Interest Rate
3.625%
APR
3.738%
Monthly Payment
$913
Capital One
Email Lender

Offer Details

Home Value $250,000
Requested Loan Amount $200,000
Lock Period 60 Days
Down Payment $50,000
Principal and Interest Payments $913
Estimated Mortgage Insurance Payments $0
Total Monthly Mortgage Payment $913
Lender Fees $2,762
Lender Credit $0
Total Closing Fees* $2,762
*Other 3rd party fees may apply
Capital One
Email Lender

About the Lender

You can expect better with Capital One. Whether you need help with refinancing, a new home purchase, debt consolidation, or financing home improvements, your idea of better likely starts with savings—we maximize your savings with competitive rates and lower than average closing costs. But savings is only the start. We also strive to provide a better loan process—one that’s totally clear right from the start, with no hidden fees or unexpected surprises along the way. You can expect better service too—you’ll have a responsive team of dedicated mortgage specialists assigned and available to you every day, each member trained to anticipate and able to take care of all your needs.

15 Year Fixed Rates as low as

Interest Rate
2.875%
APR
3.031%
Monthly Payment
$1,370
Sebonic Financial
Interest Rate
2.875%
APR
3.031%
Monthly Payment
$1,370
(866) 544-4064 Contact
Sebonic Financial
Email Lender

Offer Details

Home Value $250,000
Requested Loan Amount $200,000
Lock Period 30 Days
Down Payment $50,000
Principal and Interest Payments $1,370
Estimated Mortgage Insurance Payments $0
Total Monthly Mortgage Payment $1,370
Lender Fees $2,170
Lender Credit $0
Total Closing Fees* $2,170
*Other 3rd party fees may apply
Sebonic Financial
Email Lender

About the Lender

Sebonic Financial is a division of Cardinal Financial Company, a full service mortgage banking firm in operation since 1987.  The company is an approved seller/servicer for Fannie Mae, Freddie Mac and Ginnie Mae. Cardinal is also an approved lending institution for the Department of Housing and Urban Development/Federal Housing Administration and the Department of Veteran Affairs/Veterans Administration with FHAs Direct Endorsement and VA Automatic Lender Authority.  Cardinal is an authorized lender for the USDA/Rural Housing Program, the Pennsylvania Housing Finance Agency and the New Jersey Mortgage Housing Finance Agency.

 

Cardinal is licensed by the Departments of Banking in many states, mainly in the eastern and southeastern United States.  Its retail and wholesale divisions originate first mortgage loans for qualified borrowers.

Sebonic Financial
Email Lender Write a Review

Lender Reviews

A ok

Yes, I recommend this lender

A ok!

By: SgtGitRDone (Katy, Texas)

Great for the uncomplicated borrower.

Yes, I recommend this lender

Although I was unable to consummate the loan process, for reasons I'll explain, they tried to get it approved. Even though I earn a significant 6 figure salary, I am paid buy my corporation who is paid by my law firm. The earnings being completely distributed each year yielded 0 income. Their underwriters could not wrap their head around that. Bottom Line, If you are not in that situation it should be a short and easy process. If you are, then let them know ahead of time so they can be upfront. Otherwise they are very well organized and do their best to find you the best rates.

By: jjhuckleberry (53125)

Most Stressful ReFi We have Ever Done

I will open by saying that when all was said and done our refi closed with the terms agreed to. However... we have done several refi's through the years and this was hands down the most stressful one we went through. I had to stay on top of the process the WHOLE time - something I have never had to do. I can't imagine what would have happened if I wasn't so diligent in ensuring - and at times facilitating - that things were moving along. Our loan processor was very kind when I was able to get a hold of her, but getting a hold of her was no easy task. I'm a patient person and totally understand that "stuff happens", but I have no tolerance for someone not at least taking 30 seconds to reply with, at minimum, "I got your message, I'm swamped, and will get back with you just as soon as I can." I ultimately had to reach out to someone else to get the service that I needed. The process took much longer than expected, in part due to documents not being submitted in full by Sebonic/Cardinal. (We subordinated our HELOC in the refi.) When it came time to close, I was told I would have to PAY $2,000 in costs; I was shocked! I was told the loan would cost less than half that and that the amount would be rolled into the new loan (except for the appraisal). Again, after making multiple phone calls expressing my frustration (in a firm but kind manner), numbers were eventually adjusted so we would not have to pay out of pocket. As I said at the beginning, all worked out ok in the end, but because of the frustration and stress we experienced, and the "babysitting" I had to do throughout the process, I cannot in good conscience recommend them. They clearly have some very positive reviews and happy customers; we, unfortunately, did not have the experience they did.

By: Fedsavings911bad (Orange County, CA)
See All Reviews
Sebonic Financial
Interest Rate
3.000%
APR
3.039%
Monthly Payment
$1,382
(866) 544-4064 Contact
Sebonic Financial
Email Lender

Offer Details

Home Value $250,000
Requested Loan Amount $200,000
Lock Period 30 Days
Down Payment $50,000
Principal and Interest Payments $1,382
Estimated Mortgage Insurance Payments $0
Total Monthly Mortgage Payment $1,382
Lender Fees $547
Lender Credit $0
Total Closing Fees* $547
*Other 3rd party fees may apply
Sebonic Financial
Email Lender

About the Lender

Sebonic Financial is a division of Cardinal Financial Company, a full service mortgage banking firm in operation since 1987.  The company is an approved seller/servicer for Fannie Mae, Freddie Mac and Ginnie Mae. Cardinal is also an approved lending institution for the Department of Housing and Urban Development/Federal Housing Administration and the Department of Veteran Affairs/Veterans Administration with FHAs Direct Endorsement and VA Automatic Lender Authority.  Cardinal is an authorized lender for the USDA/Rural Housing Program, the Pennsylvania Housing Finance Agency and the New Jersey Mortgage Housing Finance Agency.

 

Cardinal is licensed by the Departments of Banking in many states, mainly in the eastern and southeastern United States.  Its retail and wholesale divisions originate first mortgage loans for qualified borrowers.

Sebonic Financial
Email Lender Write a Review

Lender Reviews

A ok

Yes, I recommend this lender

A ok!

By: SgtGitRDone (Katy, Texas)

Great for the uncomplicated borrower.

Yes, I recommend this lender

Although I was unable to consummate the loan process, for reasons I'll explain, they tried to get it approved. Even though I earn a significant 6 figure salary, I am paid buy my corporation who is paid by my law firm. The earnings being completely distributed each year yielded 0 income. Their underwriters could not wrap their head around that. Bottom Line, If you are not in that situation it should be a short and easy process. If you are, then let them know ahead of time so they can be upfront. Otherwise they are very well organized and do their best to find you the best rates.

By: jjhuckleberry (53125)

Most Stressful ReFi We have Ever Done

I will open by saying that when all was said and done our refi closed with the terms agreed to. However... we have done several refi's through the years and this was hands down the most stressful one we went through. I had to stay on top of the process the WHOLE time - something I have never had to do. I can't imagine what would have happened if I wasn't so diligent in ensuring - and at times facilitating - that things were moving along. Our loan processor was very kind when I was able to get a hold of her, but getting a hold of her was no easy task. I'm a patient person and totally understand that "stuff happens", but I have no tolerance for someone not at least taking 30 seconds to reply with, at minimum, "I got your message, I'm swamped, and will get back with you just as soon as I can." I ultimately had to reach out to someone else to get the service that I needed. The process took much longer than expected, in part due to documents not being submitted in full by Sebonic/Cardinal. (We subordinated our HELOC in the refi.) When it came time to close, I was told I would have to PAY $2,000 in costs; I was shocked! I was told the loan would cost less than half that and that the amount would be rolled into the new loan (except for the appraisal). Again, after making multiple phone calls expressing my frustration (in a firm but kind manner), numbers were eventually adjusted so we would not have to pay out of pocket. As I said at the beginning, all worked out ok in the end, but because of the frustration and stress we experienced, and the "babysitting" I had to do throughout the process, I cannot in good conscience recommend them. They clearly have some very positive reviews and happy customers; we, unfortunately, did not have the experience they did.

By: Fedsavings911bad (Orange County, CA)
See All Reviews
Sebonic Financial
Interest Rate
2.750%
APR
3.449%
Monthly Payment
$1,433
(866) 544-4064 Contact
Sebonic Financial
Email Lender

Offer Details

Home Value $250,000
Requested Loan Amount $200,000
Lock Period 30 Days
Down Payment $50,000
Principal and Interest Payments $1,358
Estimated Mortgage Insurance Payments $75
Total Monthly Mortgage Payment $1,433
Lender Fees $3,500
Lender Credit $0
Total Closing Fees* $3,500
*Other 3rd party fees may apply
Sebonic Financial
Email Lender

About the Lender

Sebonic Financial is a division of Cardinal Financial Company, a full service mortgage banking firm in operation since 1987.  The company is an approved seller/servicer for Fannie Mae, Freddie Mac and Ginnie Mae. Cardinal is also an approved lending institution for the Department of Housing and Urban Development/Federal Housing Administration and the Department of Veteran Affairs/Veterans Administration with FHAs Direct Endorsement and VA Automatic Lender Authority.  Cardinal is an authorized lender for the USDA/Rural Housing Program, the Pennsylvania Housing Finance Agency and the New Jersey Mortgage Housing Finance Agency.

 

Cardinal is licensed by the Departments of Banking in many states, mainly in the eastern and southeastern United States.  Its retail and wholesale divisions originate first mortgage loans for qualified borrowers.

Sebonic Financial
Email Lender Write a Review

Lender Reviews

A ok

Yes, I recommend this lender

A ok!

By: SgtGitRDone (Katy, Texas)

Great for the uncomplicated borrower.

Yes, I recommend this lender

Although I was unable to consummate the loan process, for reasons I'll explain, they tried to get it approved. Even though I earn a significant 6 figure salary, I am paid buy my corporation who is paid by my law firm. The earnings being completely distributed each year yielded 0 income. Their underwriters could not wrap their head around that. Bottom Line, If you are not in that situation it should be a short and easy process. If you are, then let them know ahead of time so they can be upfront. Otherwise they are very well organized and do their best to find you the best rates.

By: jjhuckleberry (53125)

Most Stressful ReFi We have Ever Done

I will open by saying that when all was said and done our refi closed with the terms agreed to. However... we have done several refi's through the years and this was hands down the most stressful one we went through. I had to stay on top of the process the WHOLE time - something I have never had to do. I can't imagine what would have happened if I wasn't so diligent in ensuring - and at times facilitating - that things were moving along. Our loan processor was very kind when I was able to get a hold of her, but getting a hold of her was no easy task. I'm a patient person and totally understand that "stuff happens", but I have no tolerance for someone not at least taking 30 seconds to reply with, at minimum, "I got your message, I'm swamped, and will get back with you just as soon as I can." I ultimately had to reach out to someone else to get the service that I needed. The process took much longer than expected, in part due to documents not being submitted in full by Sebonic/Cardinal. (We subordinated our HELOC in the refi.) When it came time to close, I was told I would have to PAY $2,000 in costs; I was shocked! I was told the loan would cost less than half that and that the amount would be rolled into the new loan (except for the appraisal). Again, after making multiple phone calls expressing my frustration (in a firm but kind manner), numbers were eventually adjusted so we would not have to pay out of pocket. As I said at the beginning, all worked out ok in the end, but because of the frustration and stress we experienced, and the "babysitting" I had to do throughout the process, I cannot in good conscience recommend them. They clearly have some very positive reviews and happy customers; we, unfortunately, did not have the experience they did.

By: Fedsavings911bad (Orange County, CA)
See All Reviews

5 Year ARM Rates as low as

Interest Rate
2.625%
APR
2.927%
Monthly Payment
$804
Sebonic Financial
Interest Rate
2.625%
APR
2.927%
Monthly Payment
$804
(866) 544-4064 Contact
Sebonic Financial
Email Lender

Offer Details

Home Value $250,000
Requested Loan Amount $200,000
Lock Period 30 Days
Down Payment $50,000
Principal and Interest Payments $804
Estimated Mortgage Insurance Payments $0
Total Monthly Mortgage Payment $804
Lender Fees $2,350
Lender Credit $0
Total Closing Fees* $2,350
*Other 3rd party fees may apply
Sebonic Financial
Email Lender

About the Lender

Sebonic Financial is a division of Cardinal Financial Company, a full service mortgage banking firm in operation since 1987.  The company is an approved seller/servicer for Fannie Mae, Freddie Mac and Ginnie Mae. Cardinal is also an approved lending institution for the Department of Housing and Urban Development/Federal Housing Administration and the Department of Veteran Affairs/Veterans Administration with FHAs Direct Endorsement and VA Automatic Lender Authority.  Cardinal is an authorized lender for the USDA/Rural Housing Program, the Pennsylvania Housing Finance Agency and the New Jersey Mortgage Housing Finance Agency.

 

Cardinal is licensed by the Departments of Banking in many states, mainly in the eastern and southeastern United States.  Its retail and wholesale divisions originate first mortgage loans for qualified borrowers.

Sebonic Financial
Email Lender Write a Review

Lender Reviews

A ok

Yes, I recommend this lender

A ok!

By: SgtGitRDone (Katy, Texas)

Great for the uncomplicated borrower.

Yes, I recommend this lender

Although I was unable to consummate the loan process, for reasons I'll explain, they tried to get it approved. Even though I earn a significant 6 figure salary, I am paid buy my corporation who is paid by my law firm. The earnings being completely distributed each year yielded 0 income. Their underwriters could not wrap their head around that. Bottom Line, If you are not in that situation it should be a short and easy process. If you are, then let them know ahead of time so they can be upfront. Otherwise they are very well organized and do their best to find you the best rates.

By: jjhuckleberry (53125)

Most Stressful ReFi We have Ever Done

I will open by saying that when all was said and done our refi closed with the terms agreed to. However... we have done several refi's through the years and this was hands down the most stressful one we went through. I had to stay on top of the process the WHOLE time - something I have never had to do. I can't imagine what would have happened if I wasn't so diligent in ensuring - and at times facilitating - that things were moving along. Our loan processor was very kind when I was able to get a hold of her, but getting a hold of her was no easy task. I'm a patient person and totally understand that "stuff happens", but I have no tolerance for someone not at least taking 30 seconds to reply with, at minimum, "I got your message, I'm swamped, and will get back with you just as soon as I can." I ultimately had to reach out to someone else to get the service that I needed. The process took much longer than expected, in part due to documents not being submitted in full by Sebonic/Cardinal. (We subordinated our HELOC in the refi.) When it came time to close, I was told I would have to PAY $2,000 in costs; I was shocked! I was told the loan would cost less than half that and that the amount would be rolled into the new loan (except for the appraisal). Again, after making multiple phone calls expressing my frustration (in a firm but kind manner), numbers were eventually adjusted so we would not have to pay out of pocket. As I said at the beginning, all worked out ok in the end, but because of the frustration and stress we experienced, and the "babysitting" I had to do throughout the process, I cannot in good conscience recommend them. They clearly have some very positive reviews and happy customers; we, unfortunately, did not have the experience they did.

By: Fedsavings911bad (Orange County, CA)
See All Reviews
Sebonic Financial
Interest Rate
2.750%
APR
2.926%
Monthly Payment
$817
(866) 544-4064 Contact
Sebonic Financial
Email Lender

Offer Details

Home Value $250,000
Requested Loan Amount $200,000
Lock Period 30 Days
Down Payment $50,000
Principal and Interest Payments $817
Estimated Mortgage Insurance Payments $0
Total Monthly Mortgage Payment $817
Lender Fees $1,414
Lender Credit $0
Total Closing Fees* $1,414
*Other 3rd party fees may apply
Sebonic Financial
Email Lender

About the Lender

Sebonic Financial is a division of Cardinal Financial Company, a full service mortgage banking firm in operation since 1987.  The company is an approved seller/servicer for Fannie Mae, Freddie Mac and Ginnie Mae. Cardinal is also an approved lending institution for the Department of Housing and Urban Development/Federal Housing Administration and the Department of Veteran Affairs/Veterans Administration with FHAs Direct Endorsement and VA Automatic Lender Authority.  Cardinal is an authorized lender for the USDA/Rural Housing Program, the Pennsylvania Housing Finance Agency and the New Jersey Mortgage Housing Finance Agency.

 

Cardinal is licensed by the Departments of Banking in many states, mainly in the eastern and southeastern United States.  Its retail and wholesale divisions originate first mortgage loans for qualified borrowers.

Sebonic Financial
Email Lender Write a Review

Lender Reviews

A ok

Yes, I recommend this lender

A ok!

By: SgtGitRDone (Katy, Texas)

Great for the uncomplicated borrower.

Yes, I recommend this lender

Although I was unable to consummate the loan process, for reasons I'll explain, they tried to get it approved. Even though I earn a significant 6 figure salary, I am paid buy my corporation who is paid by my law firm. The earnings being completely distributed each year yielded 0 income. Their underwriters could not wrap their head around that. Bottom Line, If you are not in that situation it should be a short and easy process. If you are, then let them know ahead of time so they can be upfront. Otherwise they are very well organized and do their best to find you the best rates.

By: jjhuckleberry (53125)

Most Stressful ReFi We have Ever Done

I will open by saying that when all was said and done our refi closed with the terms agreed to. However... we have done several refi's through the years and this was hands down the most stressful one we went through. I had to stay on top of the process the WHOLE time - something I have never had to do. I can't imagine what would have happened if I wasn't so diligent in ensuring - and at times facilitating - that things were moving along. Our loan processor was very kind when I was able to get a hold of her, but getting a hold of her was no easy task. I'm a patient person and totally understand that "stuff happens", but I have no tolerance for someone not at least taking 30 seconds to reply with, at minimum, "I got your message, I'm swamped, and will get back with you just as soon as I can." I ultimately had to reach out to someone else to get the service that I needed. The process took much longer than expected, in part due to documents not being submitted in full by Sebonic/Cardinal. (We subordinated our HELOC in the refi.) When it came time to close, I was told I would have to PAY $2,000 in costs; I was shocked! I was told the loan would cost less than half that and that the amount would be rolled into the new loan (except for the appraisal). Again, after making multiple phone calls expressing my frustration (in a firm but kind manner), numbers were eventually adjusted so we would not have to pay out of pocket. As I said at the beginning, all worked out ok in the end, but because of the frustration and stress we experienced, and the "babysitting" I had to do throughout the process, I cannot in good conscience recommend them. They clearly have some very positive reviews and happy customers; we, unfortunately, did not have the experience they did.

By: Fedsavings911bad (Orange County, CA)
See All Reviews
Capital One
Interest Rate
2.750%
APR
2.969%
Monthly Payment
$817
Capital One
Email Lender

Offer Details

Home Value $250,000
Requested Loan Amount $200,000
Lock Period 60 Days
Down Payment $50,000
Principal and Interest Payments $817
Estimated Mortgage Insurance Payments $0
Total Monthly Mortgage Payment $817
Lender Fees $2,512
Lender Credit $0
Total Closing Fees* $2,512
*Other 3rd party fees may apply
Capital One
Email Lender

About the Lender

You can expect better with Capital One. Whether you need help with refinancing, a new home purchase, debt consolidation, or financing home improvements, your idea of better likely starts with savings—we maximize your savings with competitive rates and lower than average closing costs. But savings is only the start. We also strive to provide a better loan process—one that’s totally clear right from the start, with no hidden fees or unexpected surprises along the way. You can expect better service too—you’ll have a responsive team of dedicated mortgage specialists assigned and available to you every day, each member trained to anticipate and able to take care of all your needs.
Mortgage rate quotes displayed on LendingTree LoanExplorer℠, including loan pricing data, rates and fees, are provided by third party data providers including, but not limited to, Mortech®, a registered trademark of Zillow®, LoanXEngine, a product of Mortgage Builder Software, Inc., and LoanTek, Inc.

Mortgage Rate Trends

Monthly | Daily



South Carolina Mortgage Rates and Your Path to Owning a Home
South Carolina is one of the most popular locations to live on the East Coast. It’s metropolitan without being overwhelmingly populated, and the natural beauty of the state can’t be beat. From the inviting Atlantic coast to the mountainous Blue Ridge Region, South Carolina has something for everyone.

Although current South Carolina mortgage rates change based on various factors, there are many programs available for SC residents who want to purchase a home. The vast majority of these programs are available through the South Carolina State Housing Finance and Development Authority (SCSHFDA), which offers residents access to loan programs with low mortgage interest rates.

Low SC Mortgage Interest Rates in Conforming Mortgages
South Carolina residents can take advantage of the best SC mortgage interest rates with a conforming mortgage. A conforming mortgage is delivered through conventional lenders and backed by Fannie Mae and Freddie Mac, so there are several criteria that participants must meet in order to qualify. However, the benefit to these conforming mortgages is that the interest rates are lower than current SC mortgage rates.

There is a maximum loan amount for conforming loans, which is set on a yearly basis in response to the region's median homes values. Your lender or broker should be able to discuss these limits with you, as well as the qualifications that must be met for approval.

First Time Homebuyers and SC Mortgage Interest Rates
First time homebuyers can benefit from low South Carolina mortgage rates as long as they haven’t owned a home within the last three years. They also must meet specific income and credit guidelines. The first time homebuyers program through the SC State Housing Finance and Development Authority is available in two different categories – Non-Targeted counties and Targeted counties.

Besides these location-based differentiations, the program is also separated into three different categories based on the median income of the applicants. The categories are "above 80 percent of Median Income," "50.01 to 80 percent of Median Income" and "50 percent of Median Income", each with different down payment and mortgage interest rates. Your lender or the SCSHFDA will be able to help you determine into which category you fall.

Current South Carolina Mortgage Interest Rates for Second Mortgages
Second mortgages can be obtained with current SC mortgage interest rates if you need to borrow more money if you are unable to refinance due to a decrease in the value of your home. Second mortgages in South Carolina can be obtained with two different programs.

The first is a variable-rate home equity line of credit (HELOC). A HELOC works like a revolving credit card account. The second option is a fixed-rate home equity line, which functions like a regular debt that is paid off with specific payments each month. Both of these options will let you use the equity in your home and take advantage of current interest rates.