Refinance my Home

Reasons to refinance.
Lower monthly payments
We may be able to help you lower your interest rate to save a little extra each month.
Pay-off debt
Taking cash out from home equity can help finance home improvements or pay-off debts.
Get a better loan
 Pay off your old mortgage and get a new one, with the opportunity for different terms. 

Explore Refinance Options

Fixed-Rate Mortgage

Interest Rate*   |   X.XX% 
APR*   |   7.069%


Fixed principal and interest payments over the loan's term, helping you budget accurately each month.

  • If you are planning on living in your home for 10 years or more.

Adjustable-Rate Mortgage

Interest Rate*   |   X.XX% 
APR*   |   X.XX%


With a lower initial interest rate for a specific period of time, you can save money.

  • Consider this loan if you plan on being in your home fewer than 10 years.

Jumbo Loans

Interest Rate*   |   X.XX% 
APR*   |   X.XX%


This loan option may be right for those looking to finance more than $726,200.

  • Beneficial for accessing funds that exceed conventional financing limits.
See if you can save by refinancing.
Calculate how much you could reduce your monthly and total loan payments.

Ready to take the first step?

Give us a call and we'll help guide you at every step.

Wherever you are in your homebuying journey, we can help you.
Still researching?
Visit our mortgage resource center for articles, guides, and tools to explore your options.
Almost ready?
We are here to help ensure a smooth refinance experience. Call us if you need additional guidance.
Let's do this!
Found the loan options that works best for you? Submit your application online with our quick and easy process.

Why Choose South Carolina Federal for refinancing?

Trusted guidance
Our mortgage professionals help you every step of the way.
Home loan options
Choose a mortgage with a rate and term that fits your budget and lifestyle.
Support local
We serve Charleston, Columbia, Florence, Georgetown, Greenville, Myrtle Beach and Spartanburg.

Ready to get started? Give us a call.

Monday-Friday: 8:00am - 6:00pm EST

843-569-5145

The Refinancing Process
Get Prequalified
We can help you reduce your monthly payment, find out how much home you can afford.
Learn more 
Apply Online
We offer a variety of mortgage options and can help you choose one that best fits your finances. 
Submit your application online
Finalize Your Loan
If your loan application is approved, our loan officers will walk you through closing. 
Start Saving Money!
Once you sign your loan at closing, you will start saving the following month with a lower interest rate.
See what our members have to say about us.
I worked with Gina at South Carolina Federal to refinance my mortgage, and she is fabulous! I've referred several friends and family members to Gina and the credit union because of my experience.
Read More of this testimonial
- Paula R.
I have worked with South Carolina Federal Credit Union for my last five mortgages, including purchases and refinancing. Every time I have used them, the experience has been remarkably smooth. They go the extra mile to provide service that is truly world-class.
- Adam L.
Mortgage Refinancing Resources