Compare Mortgage Refinance Companies in Southington, CT
Compare mortgage refinance companies in Southington. Review contact information and insurance categorys before you decide.
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State Mortgage Licensing Authority of Connecticut before hiring.
Showing 16 mortgage refinance companies in Southington, CT
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Mortgage refinance companies in Southington Connecticut help homeowners replace their existing home loan with a new one. This process can lower your monthly payment or change your loan term. Connecticut law requires lenders to provide a Loan Estimate within three business days of receiving your application.
What Does a Mortgage Refinance Company in Southington Cost?
Typical costs for refinancing a mortgage in Connecticut range from 2 to 5 percent of the loan amount. This includes an appraisal fee of 400 to 700 dollars, title insurance of 500 to 1,500 dollars, and lender origination fees of 1,000 to 3,000 dollars. Connecticut also charges a mortgage recording fee of about 50 dollars plus a small per thousand rate. These costs vary by lender and loan size. This is general information, 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
How long does mortgage refinancing take in Southington?
The refinance process in Connecticut typically takes 30 to 45 days from application to closing. This timeline includes appraisal, underwriting, and legal review. Delays can occur if additional documentation is needed.
What documents are needed to refinance a mortgage in Connecticut?
You will need recent pay stubs, tax returns, bank statements, and proof of homeowners insurance. Lenders also require a valid photo ID and a copy of your current mortgage statement. Connecticut lenders must follow federal Truth in Lending Act rules for disclosure.
Are there Connecticut specific rules for refinancing a mortgage?
Yes, Connecticut has a statutory right of rescission that allows you to cancel a refinance within three business days after closing. This right applies to most home equity loans and refinances on your primary residence. You must receive a notice of this right at closing.