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Compare Mortgage Refinance Companies in Gardendale, AL
Browse mortgage refinance companies serving Gardendale, Alabama. Contact information and addresses listed below.
8 agents listed
Updated May 2026
Gardendale, AL
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Alabama before hiring.
Showing 8 mortgage refinance companies in Gardendale, AL
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
AmFirst
1039 Mt Olive Rd, Gardendale, AL 35071
2056315556
World Finance
439 Fieldstown Rd #121, Gardendale, AL 35071
2056083770
Credit Central
1084 Main St, Gardendale, AL 35071
2056312449
OneMain Financial
1082 Main St Ste 101 & 103, Gardendale, AL 35071
2056315214
Regional Finance
841 Odum Rd Suite 105, Gardendale, AL 35071
2056080676
Family Security Credit Union
951 Odum Rd, Gardendale, AL 35071
2056311031
Republic Finance
655 Fieldstown Rd Suite 101, Gardendale, AL 35071
2056081525
The Hutson Company
1244 Main St, Gardendale, AL 35071
2056316562
Mortgage refinance companies in Gardendale Alabama help homeowners lower their interest rates or change loan terms. Alabama law requires lenders to provide a Good Faith Estimate of closing costs within three business days of application. Local companies understand the Gardendale housing market and can guide you through the process.
What Does a Mortgage Refinance Company in Gardendale Cost?
Typical costs for a mortgage refinance in Alabama include an appraisal fee of 400 to 700 dollars, an origination fee of 0.5 to 1 percent of the loan amount, and title insurance costing 500 to 1,000 dollars. Closing costs often total 2 to 5 percent of the loan principal. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What documents do I need for a mortgage refinance in Gardendale Alabama?
You typically need pay stubs, tax returns, bank statements, and proof of homeowners insurance. Alabama lenders also require a recent property appraisal to determine your home value.
How long does a mortgage refinance take in Alabama?
A standard refinance in Alabama usually takes 30 to 45 days from application to closing. Delays can occur if the appraisal or title search takes longer than expected.
Are there Alabama specific rules for refinancing a mortgage?
Yes, Alabama law requires lenders to disclose the annual percentage rate and total finance charges before closing. Also, Alabama has a 15 day right of rescission period for most refinances, allowing you to cancel the loan after signing.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Alabama.