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Compare Mortgage Refinance Companies in Godfrey, IL
Browse mortgage refinance companies serving Godfrey, Illinois. Contact information and addresses listed below.
3 agents listed
Updated May 2026
Godfrey, 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 3 mortgage refinance companies in Godfrey, 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.
The Kerpan Group @ Benchmark Mortgage - #YourMortgageCoach
6526 Godfrey Rd Ste 200, Godfrey, IL 62035
8664483874
Flat Branch Home Loans - Deb Higgins
2724 Grovelin St Ste A, Godfrey, IL 62035
6184675626
Homestead Financial Mortgage - Godfrey
3005 Godfrey Rd A, Godfrey, IL 62035
6189803860
Mortgage refinance companies in Godfrey, Illinois help homeowners lower their interest rates or change loan terms. Illinois law requires lenders to provide a Loan Estimate within three business days of application. Local Godfrey residents can work with these companies to access equity or reduce monthly payments.
What Does a Mortgage Refinance Company in Godfrey 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 1,000 dollars. Closing costs generally range from 2 to 5 percent of the loan principal. These amounts vary by lender and property value. 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
What documents do I need to refinance a mortgage in Godfrey Illinois?
You typically need pay stubs, tax returns, bank statements, and proof of homeowners insurance. Illinois lenders also require a property appraisal. Gather these items before applying to speed up the process.
How long does a mortgage refinance take in Illinois?
A standard refinance in Illinois usually takes 30 to 45 days from application to closing. Delays can happen if the appraisal or title work takes longer. Your lender must provide a Closing Disclosure at least three business days before closing.
Are there Illinois-specific rules for refinancing a mortgage?
Yes, Illinois law requires lenders to disclose all fees clearly and prohibits predatory lending practices. The state also mandates a three-day right of rescission for most refinances. This means you can cancel the loan within three business days after signing.
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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.