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Refinance Options

The rules of a home refinance have changed. There are many things to consider when refinancing your home loan and it is important to discuss your options with New South Mortgage. We will ask the right questions and listen in order to help achieve your specific refinance goals. Whether you want to receive cash back at closing, or want to lock in a fixed rate and payment, or want to lower your payment or increase your cash flow by paying off high interest debt, we have different refinance programs for your specific situation.


The decision to refinance sometimes means balancing the savings of a lower monthly payment against the costs of home refinance. In other situations, you may need the security of a fixed rate versus a current variable rate. And other times you may need to figure out the best way to utilize a portion of your home’s equity. Our consultants will listen to your needs and structure the loan as if it were their own, in order to best meet your needs.

In recent years, mortgage lenders have introduced “no cost” and low-cost refinancing packages that minimize or completely eliminate the out-of-pocket expenses of refinancing. With the newer low and no-cost refinancing programs offered, home owners can often find it valuable to refinance to obtain even a small reduction in interest rates. Ask about New South Mortgage’s ZERO LOAN program!

  • Historically Low Rates
  • Lower monthly payment and increase your monthly cash flow
  • Reduce the amount of interest you will pay over the life of the loan
  • Know what future payments will be by changing your variable rate to a fixed rate
  • No out of pocket expense by including any closing costs into your loan


Please provide us some basic information and we will contact you about your loan options.


We’re a small, local mortgage company, and while we specialize in the Lowcountry area—Charleston, Berkeley, Dorchester and Beaufort counties—proud to have helped folks all over SC for over 20 years.