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Find Mortgage Refinance Companies Near You in Roscoe, IL
Browse mortgage refinance companies serving Roscoe, Illinois. Contact information and addresses listed below.
10 agents listed
Updated May 2026
Roscoe, 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 10 mortgage refinance companies in Roscoe, 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.
Envoy Mortgage - Rockford, IL
4761 Bluestem Rd, Roscoe, IL 61073
8157131003
Jessica Rielly - Envoy Mortgage Rockford
4761 Bluestem Rd, Roscoe, IL 61073
8159970149
Sarah Spradlin - Stateline Lender with Envoy Mortgage
4761 Bluestem Rd, Roscoe, IL 61073
8157213103
Michael Hughes - Mortgage Planner
5506 Clayton Cir, Roscoe, IL 61073
8159867168
Envoy Mortgage - Roscoe, IL
4761 Bluestem Rd, Roscoe, IL 61073
8153154067
Fidelity Mortgage Inc of Il
11415 Main St # 100, Roscoe, IL 61073
8156238887
Shane Hartje - Envoy Mortgage
4761 Bluestem Rd, Roscoe, IL 61073
8157425323
Kristie Sullivan - Envoy Mortgage
4761 Bluestem Rd, Roscoe, IL 61073
8153786962
Chase Home Lending
11440 Main St, Roscoe, IL 61073
7025459301
First Step Mortgage Group Inc
10039 Bitterroot Rd #4, Roscoe, IL 61073
8152700717
A mortgage refinance company in Roscoe, Illinois helps homeowners replace their existing home loan with a new one. Illinois law requires lenders to provide a Loan Estimate within three business days of application. Local Roscoe residents can use refinancing to lower their interest rate, change loan terms, or access home equity.
What Does a Mortgage Refinance Company in Roscoe Cost?
Typical costs for a mortgage refinance in Illinois include an origination fee of 0.5 to 1 percent of the loan amount, an appraisal fee of 400 to 700 dollars, and title insurance costs of 500 to 1,200 dollars. Closing costs generally total 2 to 5 percent of the loan principal. These costs vary by lender, loan type, and property value. 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 Illinois?
In Illinois, the refinance process usually takes 30 to 45 days from application to closing. Lenders must provide a Closing Disclosure at least three business days before closing. Delays can occur if an appraisal or title work takes longer.
Do I need a home appraisal for a refinance in Roscoe?
Most lenders require a home appraisal for a rate-and-term refinance. For a cash-out refinance, an appraisal is almost always required. The cost of an appraisal in Illinois typically ranges from 400 to 700 dollars.
Can I refinance a mortgage with bad credit in Illinois?
Yes, some lenders offer refinance options for borrowers with lower credit scores. Illinois law does not set a minimum credit score for refinancing, but most lenders require at least 580 for FHA loans and 620 for conventional loans. Your options may include FHA streamline or VA refinance programs.
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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.