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Find Mortgage Refinance Companies Near You in Semmes, AL
Compare mortgage refinance companies in Semmes. Review contact information and insurance categorys before you decide.
4 agents listed
Updated May 2026
Semmes, 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 4 mortgage refinance companies in Semmes, 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.
World Finance
7941 Moffett Rd Suite E, Semmes, AL 36575
2513806143
New Horizons Credit Union
3385 Schillinger Rd N Suite 19, Semmes, AL 36575
2513163240
Kyri Patterson - The Mortgage Lady
3558 Oak Tree Dr, Semmes, AL 36575
2513791071
PNC Mortgage
7800 Moffett Rd, Semmes, AL 36575
2516498602
Mortgage refinance companies in Semmes Alabama help homeowners lower their interest rate or change loan terms. Alabama law requires lenders to provide a clear Loan Estimate within three business days of application. Local Semmes residents can work with these companies to access home equity or switch from an adjustable to a fixed rate mortgage.
What Does a Mortgage Refinance Company in Semmes Cost?
Typical costs for a mortgage refinance in Alabama include an origination fee of 0.5% to 1% of the loan amount, appraisal fees of $400 to $700, and title search fees around $200 to $400. Closing costs in Semmes usually range from 2% to 5% of the loan principal. These figures are general information and do not constitute 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 Semmes Alabama?
You typically need recent pay stubs, tax returns, bank statements, and proof of homeowners insurance. Alabama lenders also require a property appraisal to confirm 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 may occur if appraisal or title work takes longer than expected.
Are there Alabama specific laws for mortgage refinancing?
Yes. Alabama is a non judicial foreclosure state, which affects refinance timelines. Also, Alabama law does not require a cooling off period after refinancing, so you can close as soon as paperwork is ready.
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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.