Compare Mortgage Refinance Companies in Grand Junction, CO
Directory of mortgage refinance companies in Grand Junction, Colorado. Verify credentials with the state state mortgage licensing authority before hiring.
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 Colorado before hiring.
Showing 20 mortgage refinance companies in Grand Junction, CO
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
A mortgage refinance company in Grand Junction Colorado helps homeowners replace their existing home loan with a new one. Colorado law requires lenders to provide a Loan Estimate within three business days of receiving a complete application. Local refinance companies understand the Grand Junction real estate market and can guide you through the process.
What Does a Mortgage Refinance Company in Grand Junction Cost?
Typical costs for a mortgage refinance in Colorado include an origination fee of 0.5% to 1% of the loan amount, an appraisal fee of 400 to 700 dollars, and title insurance which can range from 500 to 1,500 dollars. Third party fees like credit report and recording fees add another 100 to 300 dollars. Total closing costs often range from 2% to 5% of the loan amount. 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 to refinance a mortgage in Grand Junction Colorado?
You typically need pay stubs, tax returns, bank statements, and a photo ID. Colorado law also requires lenders to disclose the annual percentage rate and total loan costs. Your refinance company will provide a specific list based on your situation.
How long does a mortgage refinance take in Colorado?
A typical refinance in Colorado takes 30 to 45 days from application to closing. Colorado has a three-day right of rescission period after signing, meaning you can cancel the loan for any reason within three business days. Delays can occur if an appraisal or title work takes longer.
Are there Colorado specific rules for mortgage refinancing?
Yes, Colorado Revised Statute 38-40-101 requires lenders to give you a copy of the appraisal report within 10 days of receiving it. Also, Colorado has a deed of trust system which means the refinance company will record the new lien with the Mesa County Clerk and Recorder. Always ask about prepayment penalties as Colorado law limits them on certain loans.