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Find Mortgage Refinance Companies Near You in Rock Island, IL
Directory of mortgage refinance companies in Rock Island, Illinois. Verify credentials with the state mortgage licensing authority before hiring.
5 agents listed
Updated May 2026
Rock Island, 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 Rock Island, 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.
Cissi Leinonen - Rate Mortgage
3514 46th Ave, Rock Island, IL 61201
3099122507
OneMain Financial
4030 46th Ave, Rock Island, IL 61201
3097889327
loanDepot
100 19th St #103, Rock Island, IL 61201
3092409750
US Bank Mortgage
230 18th St, Rock Island, IL 61201
8008722657
Rate
3514 46th Ave Suite 1, Rock Island, IL 61201
3097402503
Mortgage refinance companies in Rock Island, Illinois help homeowners lower their interest rates or change loan terms. Illinois law requires lenders to provide a clear Loan Estimate within three business days of application. Local companies understand the Quad Cities housing market and can guide you through the process.
What Does a Mortgage Refinance Company in Rock Island Cost?
Typical costs for a mortgage refinance in Illinois include an origination fee of 0.5% to 1.0% of the loan amount, appraisal fees of 400 to 700 dollars, and title insurance of 500 to 1,000 dollars. Illinois also charges a state mortgage tax of 0.10% to 0.50% on the loan amount. Total closing costs often range from 2% to 5% of the loan 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 is the typical timeline for a mortgage refinance in Rock Island?
A standard refinance in Illinois usually takes 30 to 45 days from application to closing. Delays can occur if an appraisal or title work is needed. Your lender must provide a closing disclosure at least three business days before closing.
Do I need a home appraisal to refinance in Rock Island?
Most lenders require an appraisal to determine your home value. In Illinois, the appraisal must be performed by a licensed appraiser. Some streamline programs may waive the appraisal if you have enough equity.
What Illinois laws affect mortgage refinance costs?
Illinois imposes a state mortgage tax on the loan amount, typically 0.10% to 0.50% depending on the county. Rock Island County charges a transfer tax on the deed. Your lender will itemize these fees in the Loan Estimate.
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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.