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Find Mortgage Refinance Companies Near You in Berea, KY
Directory of mortgage refinance companies in Berea, Kentucky. Verify credentials with the state mortgage licensing authority before hiring.
6 agents listed
Updated May 2026
Berea, KY
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 Kentucky before hiring.
Showing 6 mortgage refinance companies in Berea, KY
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Heights Finance
405 Richmond Rd N Ste B, Berea, KY 40403
8599866000
James Alexander, Mortgage Banker, NMLS #54612
405 Richmond Rd N suite d, Berea, KY 40403
8595824751
Stockton Mortgage Berea, KY | NMLS# 8259
405 Richmond Rd N suite d, Berea, KY 40403
8593530933
JustChoice Lending
319 Oak St, Berea, KY 40403
8663670855
Fifth Third Mortgage - Gayle Roberts
137 Oak Meadow Dr, Berea, KY 40403
5133580429
US Bank Mortgage
623 KY-21, Berea, KY 40403
8008722657
Mortgage refinance companies in Berea Kentucky help homeowners lower their interest rates or change loan terms. Kentucky law requires lenders to provide a Loan Estimate within three business days of application. Local companies can guide you through the process and explain state-specific rules like the Kentucky usury limit.
What Does a Mortgage Refinance Company in Berea Cost?
Typical costs for a mortgage refinance in Kentucky include an origination fee of 0.5 to 1 percent of the loan amount, appraisal fees from 400 to 700 dollars, and title insurance costs around 500 to 1000 dollars. Closing costs usually total 2 to 5 percent of the loan principal. These costs vary by lender and loan type. 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 Berea?
You typically need recent pay stubs, tax returns, bank statements, and proof of homeowners insurance. Kentucky lenders may also ask for a property appraisal to confirm your home value.
How long does a mortgage refinance take in Kentucky?
A standard refinance in Kentucky usually takes 30 to 45 days from application to closing. Delays can happen if the appraisal or under review takes extra time.
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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 Kentucky.