ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Compare mortgage refinance companies in Crystal Lake. Review contact information and insurance categorys before you decide.
9 agents listed
Updated May 2026
Crystal Lake, IL
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 Illinois before hiring.
Showing 9 mortgage refinance companies in Crystal Lake, IL
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Bryan Reed, Mortgage Lender NMLS #220817
3 W Crystal Lake Ave Unit 1, Crystal Lake, IL 60014
8474778738
New American Funding - Brian Augustine
970 McHenry Ave Suites A-1 to A-4, Crystal Lake, IL 60014
8472045710
Aplos Mortgage
282 Memorial Ct C, Crystal Lake, IL 60014
8155267711
Mortgage Capital Group, Inc.
64 E Crystal Lake Ave, Crystal Lake, IL 60014
8154554422
Jerry DuPaw at Rate (NMLS #631478)
35 Berkshire Dr Unit 12, Crystal Lake, IL 60014
8478155628
Home State Bank
611 S Main St, Crystal Lake, IL 60014
8154592000
Tricia Schultz at Rate (NMLS #200934)
35 Berkshire Dr #12, Crystal Lake, IL 60014
8472322720
Kristine Tonkin-U.S. Bank Mortgage
350 Commonwealth Dr, Crystal Lake, IL 60014
8157882650
Key Mortgage Services, Inc. - Crystal Lake
230 W Virginia St #400, Crystal Lake, IL 60014
8472965757
What Does a Mortgage Refinance Company in Crystal Lake Cost?
Typical costs for mortgage refinancing in Illinois include an origination fee of 0.5 to 1.5 percent of the loan amount, appraisal fees from 400 to 700 dollars, and title insurance costs of 500 to 1,500 dollars. Illinois also charges a mortgage recording tax of 0.25 to 0.50 percent of the loan amount depending on the county. Other fees may include credit report charges and attorney review fees. Total closing costs usually range from 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 is the typical timeline to refinance a mortgage in Crystal Lake Illinois?
The refinance process in Illinois usually takes 30 to 45 days from application to closing. Illinois law requires a three business day waiting period after you receive the Loan Estimate before closing. Delays may occur if an appraisal or title work is needed.
Are there any Illinois specific laws that affect mortgage refinancing?
Illinois requires lenders to be licensed under the Residential Mortgage License Act. Borrowers also have a three day right of rescission for most refinances. Additionally, Illinois has a mortgage recording tax that may apply to new loan documents.
What documents do I need to apply for a mortgage refinance in Crystal Lake?
You will need recent pay stubs, W 2 forms, tax returns, bank statements, and proof of homeowners insurance. Illinois lenders may also ask for a copy of your current mortgage statement and a photo ID. Self employed borrowers need additional profit and loss statements.
Free • No Obligation
Compare Mortgage Refinance Companies
Get matched with agents in Crystal Lake who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
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 Illinois.