Lendtrain offers mortgage refinance rates in Horry County. Licensed as Lendtrain (NMLS# 1844873). Wholesale rates for conventional and VA loans. No credit check for your quote.

Refinance Your Horry County Home

Horry County is a paradox worth understanding before you refinance: the Myrtle Beach-Conway-North Myrtle Beach metro ranked second-fastest-growing in the United States (U.S. Census Bureau metro population estimates, released March 2026), yet the typical county home value slipped 1.6% over the past year to $316,528 (Zillow Home Value Index, data as of April 30, 2026). People are arriving faster than prices are rising — and for owners, that changes the math from speculation to arithmetic.

NMLS #1844873 | Equal Housing Opportunity

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Why Refinance in Horry County With Lendtrain

See how Lendtrain helps Horry County homeowners save on their mortgage refinance.

Growth Driven Entirely by Arrivals

Horry grew 3.8% in a single year — 34th-fastest of all U.S. counties — even though deaths exceeded births by roughly 1,400 (U.S. Census Bureau 2024 population estimates). Every bit of that growth is in-migration, much of it retirees, which shapes steady long-run demand for the county's housing.

The Highest Owner Share in Our Set

77.3% of Horry's occupied homes are owner-occupied — 122,680 of 158,779 (Census ACS 2024 5-year) — the highest rate among the South Carolina counties we cover. Owner-occupied refinances generally price on the most favorable tier, and most of the Grand Strand qualifies.

We Will Tell You If the Building Is the Problem

On the oceanfront, the project often matters more than the borrower: many Grand Strand condo buildings run hotel-style rental programs, and lenders classify those as condotels or non-warrantable projects with far fewer refinance options. We check the building before quoting so you are not chasing an approval that was never available.

Honest About the Dip

The typical Horry home value fell 1.6% over the past year to $316,528 (Zillow Home Value Index, April 30, 2026) — yet the county's price index still sits roughly 64% above its 2020 level (FHFA All-Transactions House Price Index via FRED, annual 2025). Run your numbers on today's value, not your 2022 memory of it.

How It Works

No paperwork, no waiting on hold. Get a real rate quote, see your estimated closing costs, and find out how much you could save — in four simple steps.

  1. Enter Your Mortgage Details

    Answer a few quick questions about your current mortgage — or upload your mortgage statement and we'll pull your rate, balance, and loan type automatically.

  2. Get Your Rate Quote

    We pull live wholesale rates based on your exact scenario. No guessing — real numbers.

  3. See Your Monthly Savings

    See exactly how much you could lower your monthly mortgage payment, your breakeven timeline on closing costs, and total interest savings over the life of the loan.

  4. Lock Your Rate and Apply

    Ready to lock in your refinance rate? Apply online in minutes — no branch visit required.

Takes about 30 seconds. No credit check for your quote.

Frequently Asked Questions About Horry County Refinancing

Can I refinance my oceanfront Myrtle Beach condo?
It depends on the building more than on you. Projects with front desks, nightly rentals, or mostly-investor ownership are treated by lenders as condotels or non-warrantable condos, and many standard conventional programs exclude them entirely — a strong borrower cannot fix an ineligible project. Some buildings along the Grand Strand are fully warrantable and refinance normally; send us the condo name first and we will tell you which situation you are in before anyone pulls documents.
Horry values dipped 1.6% this year — did my equity disappear?
Almost certainly not: a 1.6% one-year decline (Zillow Home Value Index for Horry County, April 30, 2026) is small against the roughly 64% the county's price index gained from 2020 to 2025 (FHFA via FRED, annual 2025). Owners who bought before 2022 generally remain far ahead; the dip mainly means your refinance math should start from a current value estimate rather than a peak-year number.
Does Myrtle Beach's population boom protect my home's value?
It supports demand without guaranteeing price: the metro ranked second-fastest-growing in the nation (U.S. Census Bureau estimates, March 2026) and the county added 3.8% in a year on pure in-migration — deaths actually exceeded births by about 1,400 (Census 2024 estimates) — yet values still slipped 1.6% (Zillow, April 30, 2026) because building kept pace. Growth is a reason the market stays liquid, not a reason to assume appreciation.
I split time between here and up north — does occupancy status change my refinance?
Yes, twice. Lenders price primary residences, second homes, and investment properties on different tiers, and the Grand Strand has an unusually high share of the latter two — so be precise about how you actually use the home. Separately, South Carolina assesses owner-occupied legal residences at a lower property-tax ratio than second homes, which affects the escrow side of your payment; your closing attorney and county assessor handle the details.
Which Horry County communities does Lendtrain cover?
Myrtle Beach, North Myrtle Beach, Conway, Carolina Forest, Surfside Beach, Garden City, Little River, Socastee, Loris, Aynor, and unincorporated Horry County. The state-level mechanics — South Carolina's attorney closing, licensing, how cash-out works statewide — are covered once on our South Carolina refinance page, and cash-out specifics live on the cash-out refinance page.

Market facts on this page were last reviewed on . Each statistic is attributed to its source where it appears.

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NMLS #1844873 | Equal Housing Opportunity

Rate quotes are estimates based on the credit score you provide. Actual rates may differ based on verified credit, income, and property details.

Lendtrain (NMLS# 1844873) is licensed to originate mortgages in South Carolina. NMLS# 1844873.