RANDY RATCHFORD

RANDY RATCHFORD

Senior Loan Officer

NMLS # 107433

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RANDY RATCHFORD

I am here to assist you with all your mortgage needs. I will help you consider a whole range of factors regarding your lending needs whether you’re purchasing your first home, a second home or refinancing. I will make every effort to simplify the lending process with step-by-step guidance from application to closing.

I am committed to providing you with the best customer service available. If you want to get started on a home loan, contact me today.

SC License # MLO - 107433

What Clients Say

Before beginning the home buying process we were petrified. We had been warned how difficult and stressful the process was. We had a few extra hurdles too such as less than perfect credit for one. Less than a 20% down payment for two. Randall with Carolina One Mortgage, however, made the process so simple and we were able to find and close on a home we loved within two months! It also helped that our Realtor was also with Carolina Mortgage and a jewel as well. We wouldn’t recommend anyone else!
T. and J. Lockard
The team is AWESOME! Randall is a wonderful agent (Loan Officer), he’s the best.
B. Myers
Y’all couldn’t have made this process go any smoother!! Amazing! Y’all are Amazing!

MARKET NEWS

Up-to-date coverage on current mortgage trends.
5 Benefits of a Cash-Out Refi

5 Benefits of a Cash-Out Refi

And before they change, many homeowners have been taking advantage of the benefits of cash-out refinancing. To give you the gist, cash-out refinancing is when you replace your current mortgage with a new one that has a larger outstanding principal balance, and you get the difference in a lump sum of cash.


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Freddie Mac BorrowSmart® Program: What to Know

Freddie Mac BorrowSmart® Program: What to Know

Looking to buy a new home but struggling with down payment or closing costs? You're not alone. Luckily, there's a solution: Freddie Mac BorrowSmart®.


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Affordable Housing Loans - What Are the Options?

Affordable Housing Loans - What Are the Options?

The mortgage process can seem both confusing and overwhelming. That’s understandable because buying a house may be one of the most important and biggest purchases that anyone will ever make.


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