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Find Mortgage Refinance Companies Near You in Elgin, IL
Directory of mortgage refinance companies in Elgin, Illinois. Verify credentials with the state mortgage licensing authority before hiring.
15 agents listed
Updated May 2026
Elgin, 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 15 mortgage refinance companies in Elgin, 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.
Mariner Finance
1350 E Chicago St #28, Elgin, IL 60120
8479315270
Joe Mainolfi, Mortgage Lender NMLS #2039850
162 E Chicago St, Elgin, IL 60120
3129372152
Fairway Independent Mortgage Corporation
2205 Point Blvd Suite 175, Elgin, IL 60123
8478576820
Edgar Santiago at CrossCountry Mortgage
221 E Chicago St Suite 103, Elgin, IL 60120
8479975626
Kathi Mettille | NMLS# 579170
325 Randall Rd, Elgin, IL 60123
8473415984
American Home Enterprises
158 E Chicago St, Elgin, IL 60120
2245359085
Chase Home Lending
270 S Randall Rd, Elgin, IL 60123
3314318134
James Mulholland at CrossCountry Mortgage
374 N McLean Blvd, Elgin, IL 60123
8477966200
Eduardo C Galindo | Fairway Independent Mortgage Corporation Branch Manager
2205 Point Blvd Suite 175, Elgin, IL 60123
8158141964
PNC Mortgage
835 S Randall Rd, Elgin, IL 60123
8476953000
BMO Harris Bank Mortgage
170 N McLean Blvd, Elgin, IL 60123
8479314950
Wintrust Mortgage
1001 S Randall Rd, Elgin, IL 60123
8478887950
US Bank Mortgage
Elgin, IL 60123
8008722657
PNC Mortgage
1695 Larkin Ave, Elgin, IL 60123
8472143210
Chase Mortgage
1600 Larkin Ave, Elgin, IL 60123
8478885500
A mortgage refinance company in Elgin Illinois helps homeowners replace their current home loan with a new one. Illinois law requires lenders to provide a Loan Estimate within three business days of application. Local Elgin borrowers can use refinancing to lower their rate or change loan terms.
What Does a Mortgage Refinance Company in Elgin Cost?
Typical costs for a mortgage refinance in Illinois include an appraisal fee of 400 to 700 dollars, loan origination fees of 0.5 to 1.5 percent of the loan amount, and title insurance costs of 500 to 1,500 dollars. Closing costs usually total 2 to 5 percent of the loan principal. These amounts vary by lender and property value. 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 a mortgage refinance company in Elgin?
A mortgage refinance company in Elgin helps homeowners replace their existing mortgage with a new loan. This can lower the interest rate or change the loan term. These companies guide you through the application and closing process.
What are the Illinois laws for mortgage refinancing?
Illinois requires lenders to give you a Loan Estimate within three business days of your application. You also have a three day right of rescission after closing for most refinances. These rules protect borrowers from unfair practices.
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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 Illinois.