Mortgage Refinance Companies in Joliet, IL
Browse mortgage refinance companies serving Joliet, Illinois. Contact information and addresses listed below.
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 Illinois before hiring.
Showing 14 mortgage refinance companies in Joliet, 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.
What Does a Mortgage Refinance Company in Joliet Cost?
Typical costs for a mortgage refinance in Illinois include an origination fee of 0.5 to 1 percent of the loan amount. Third party fees such as appraisal, title search, and credit report can total 2,000 to 5,000 dollars. Illinois charges a state mortgage tax of 0.25 per 100 dollars of the loan amount. These costs vary by lender and your specific situation. 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 for refinancing a mortgage in Joliet Illinois?
The refinance process usually takes 30 to 45 days from application to closing. Illinois law requires a three day rescission period after signing the new loan documents. Delays can occur if an appraisal or title work takes longer than expected.
Do I need a home appraisal to refinance in Joliet Illinois?
Most refinance lenders require a home appraisal to determine the current value of your property. In Joliet, the appraisal fee typically ranges from 400 to 700 dollars. Some lenders offer a waiver if you have a government backed loan like an FHA streamline refinance.
What Illinois specific documents are needed for a mortgage refinance?
You will need proof of income such as recent pay stubs and tax returns. Illinois also requires a photo ID and evidence of homeowners insurance. The lender may ask for a copy of your current mortgage statement and property tax records from Will County.