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Compare Mortgage Refinance Companies in Normal, IL
Browse mortgage refinance companies serving Normal, Illinois. Contact information and addresses listed below.
5 agents listed
Updated May 2026
Normal, 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 5 mortgage refinance companies in Normal, 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.
Illinois State Credit Union
1309 S Center St, Normal, IL 61761
3094518400
OneMain Financial
1540 E College Ave #15, Normal, IL 61761
3094511876
Personal Finance Co
1531 Fort Jesse Rd #2, Normal, IL 61761
3094547790
Hard Money Lenders Normal IL
1609 Northbrook Dr, Normal, IL 61761
3093620503
PNC Mortgage
1501 E College Ave, Normal, IL 61761
3098233185
Mortgage refinance companies in Normal, Illinois help homeowners replace their current home loan with a new one. Illinois law requires lenders to provide a clear loan estimate within three business days of application. Local companies in Normal can guide you through the process and explain state-specific rules like the Illinois Interest Act.
What Does a Mortgage Refinance Company in Normal Cost?
Typical costs for a mortgage refinance in Normal, Illinois include an origination fee of 0.5% to 1% of the loan amount, an appraisal fee of $400 to $700, and title insurance of $500 to $1,000. Illinois also charges a state mortgage tax of $0.10 per $100 of the loan. Total closing costs often range from 2% to 5% of the loan amount. 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 documents do I need to refinance in Normal Illinois?
You typically need pay stubs, tax returns, bank statements, and a photo ID. Illinois lenders may also ask for proof of homeowners insurance and a property appraisal.
How long does a mortgage refinance take in Illinois?
The process usually takes 30 to 45 days from application to closing. Illinois law gives you a three day right of rescission after signing to cancel the loan without penalty.
Are there Illinois specific fees for refinancing?
Yes, Illinois charges a state transfer tax on the mortgage note, which is typically 0.10% of the loan amount. Local county fees may also apply in McLean County.
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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.