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Directory of mortgage refinance companies in O'Fallon, Illinois. Verify credentials with the state mortgage licensing authority before hiring.
14 agents listed
Updated May 2026
O'Fallon, 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 14 mortgage refinance companies in O'Fallon, 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.
Chris Luebbers - Delmar Mortgage
1405 N Green Mt Rd #110, O'Fallon, IL 62269
6188038214
Christopher Ryan Duncan - Delmar Mortgage
1405 N Green Mt Rd #110, O'Fallon, IL 62269
6188068624
New American Funding - Jody Talick
813 W Hwy 50, O'Fallon, IL 62269
6187225233
New American Funding - Dave Hohe
813 W Hwy 50, O'Fallon, IL 62269
6184075564
Ryan Luechtefeld - Delmar Mortgage
1405 N Green Mt Rd #110, O'Fallon, IL 62269
6185933608
Doug Shoemaker - Shoemaker Loan Team - Homestead Financial Mortgage
220 E State St, O'Fallon, IL 62269
6183076106
New American Funding - O'Fallon, IL
813 W Hwy 50, O'Fallon, IL 62269
6182161288
Cara Srogus at Rate (NMLS #1145645)
111A W State St, O'Fallon, IL 62269
6187793031
Jason Ashford - Delmar Mortgage - O'Fallon
1405 N Green Mt Rd #110, O'Fallon, IL 62269
6189732971
Kent Schmitz - Delmar Mortgage
1405 N Green Mt Rd #110, O'Fallon, IL 62269
6188307246
Alex Burden - Delmar Mortgage
1405 N Green Mt Rd #110, O'Fallon, IL 62269
3145915267
Delmar Mortgage
1405 N Green Mt Rd #110, O'Fallon, IL 62269
8888668734
Rate
111A W State St, O'Fallon, IL 62269
6185515075
Ken Sheehan - Delmar Mortgage
1405 N Green Mt Rd #110, O'Fallon, IL 62269
6189735160
Mortgage refinance companies in O'Fallon Illinois help homeowners adjust their loan terms or lower their interest rates. Illinois law requires lenders to provide a clear disclosure of fees and terms under the Illinois Residential Mortgage License Act. Local refinance services can assist with conventional FHA or VA loans to meet your financial goals.
What Does a Mortgage Refinance Company in O'Fallon Cost?
Typical costs for a mortgage refinance in Illinois include an origination fee of 0.5 to 1 percent of the loan amount appraisal fees from 300 to 600 dollars and title insurance around 500 to 1000 dollars. Closing costs generally range from 2 to 5 percent of the 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 documents do I need to refinance a mortgage in O'Fallon Illinois?
You typically need pay stubs tax returns bank statements and a government ID. Illinois lenders may also require a property appraisal and proof of homeowners insurance.
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 occur if additional documentation or appraisal issues arise.
Are there any Illinois specific laws for mortgage refinancing?
Yes Illinois requires lenders to provide a Loan Estimate and Closing Disclosure within specific timeframes. The state also limits prepayment penalties on certain loans under the Illinois Mortgage Act.
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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.