Jasper County, South Carolina
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1 Platform, 6 Refinance Alerts
01
Alert for Lower Rates
02
Alert for Cash Out
03
Alert for Shorter Term
04
Alert for Eliminating PMI
05
Alert for Product Changes
06
Alert for Changes in Home Value
Jasper Real Estate Market Update
In Jasper County, South Carolina, the real estate market has seen some fluctuations recently. As of October 2024, the median listing home price was approximately $444,500, showing a decline of 11.1% year-over-year. The median home sold price was slightly lower at $406,000, indicating a buyer's market where homes are selling close to their listing prices.
The county includes several notable cities, with Hardeeville and Ridgeland being among the largest. Hardeeville has a median listing home price of $477,000, while Ridgeland's median price is around $370,000. These cities are key population centers within the county, offering a mix of suburban and rural lifestyles.
Jasper County offers a blend of rural and suburban living, with significant areas dedicated to agriculture and farming. The county's economy is supported by industries such as manufacturing, agriculture, and tourism. Many people are drawn to Jasper County for its quieter lifestyle and lower cost of living compared to more urban areas. Additionally, the county's proximity to larger cities like Savannah, Georgia, makes it an attractive location for those seeking a balance between rural charm and urban accessibility.
2025 Mortgage Loan Limits:
Jasper County, South Carolina
1 Unit
$806,500
Conforming Loans
$609,500
FHA Loans
2 Unit
$1,032,650
Conforming Loans
$780,250
FHA Loans
3 Unit
$1,248,150
Conforming Loans
$943,150
FHA Loans
4 Unit
$1,551,250
Conforming Loans
$1,172,150
FHA Loans
Questions About Refinancing in
Jasper County
What is mortgage refinancing?
Refinancing is the process of replacing your current mortgage with a new one, often to secure a lower interest rate or change the loan terms.When should I consider refinancing?
Consider refinancing when interest rates drop, your credit score improves, or you want to switch from an adjustable-rate to a fixed-rate mortgage.How much does it cost to refinance?
Refinancing costs typically range from 2% to 5% of the loan amount, including closing fees, appraisal, and title fees.How long does the refinancing process take?
The refinancing process usually takes between 30 to 45 days, but this can vary based on lender efficiency and document preparation.What are the benefits of refinancing?
Refinancing can lower your monthly payments, reduce interest rates, shorten loan terms, or allow you to tap into home equity.What is cash-out refinancing?
Cash-out refinancing allows you to take out a new loan for more than your current mortgage balance and receive the difference in cash.Will refinancing hurt my credit?
Refinancing may cause a temporary dip in your credit score due to the hard inquiry, but the impact is usually minor and short-term.Can I refinance with bad credit?
It may be harder to qualify, but some lenders offer refinancing options for people with lower credit scores, though they often come with higher interest rates.How much equity do I need to refinance?
Most lenders require you to have at least 20% equity in your home to qualify for refinancing, though some programs may allow for lower equity percentages.Is it possible to refinance a rental property?
Yes, you can refinance an investment or rental property, though the terms and interest rates may be different compared to refinancing a primary residence.
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