Find Mortgage Refinance Companies Near You in Phoenix, AZ
Looking for a mortgage refinance company in Phoenix? Review the directory below to compare your options.
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
State Mortgage Licensing Authority of Arizona before hiring.
Showing 20 mortgage refinance companies in Phoenix, AZ
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Mortgage refinance companies in Phoenix Arizona help homeowners replace their existing home loan with a new one. These companies guide clients through the process of lowering interest rates or changing loan terms. Arizona law requires all mortgage brokers to be licensed with the Arizona Department of Insurance and Financial Institutions.
What Does a Mortgage Refinance Company in Phoenix Cost?
Typical costs for a mortgage refinance in Arizona include an origination fee of 0.5% to 1% of the loan amount, appraisal fees of $400 to $700, and title insurance costs of $1,000 to $2,000. Closing costs in Phoenix generally range from 2% to 5% 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 Phoenix Arizona?
You typically need recent pay stubs, tax returns from the past two years, bank statements, and a copy of your current mortgage statement. Arizona lenders also require a valid government issued ID and proof of homeowners insurance.
How long does a mortgage refinance take in Phoenix?
A standard mortgage refinance in Phoenix usually takes 30 to 45 days from application to closing. Arizona law does not set a specific time limit for the process, but lenders must provide a Loan Estimate within three business days of receiving your application.
Are there Arizona specific rules for refinancing a mortgage?
Yes. Arizona is a non judicial foreclosure state which affects refinance terms. Also, Arizona Revised Statutes Title 33 governs deeds of trust and requires specific disclosures for refinance loans. Lenders must comply with the Arizona Consumer Mortgage Protection Act.