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Find Mortgage Refinance Companies in Covington, KY
Directory of mortgage refinance companies in Covington, Kentucky. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Covington, 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 2 mortgage refinance companies in Covington, 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.
US Bank Mortgage
602 Madison Ave, Covington, KY 41011
8008722657
PNC Mortgage
404 Madison Ave, Covington, KY 41011
8594917300
Mortgage refinance companies in Covington Kentucky help homeowners adjust loan terms or lower interest rates. Kentucky law requires lenders to provide a three day rescission period after closing for most refinances. Local companies understand the Northern Kentucky housing market and can guide you through the process.
What Does a Mortgage Refinance Company in Covington Cost?
Typical costs for a mortgage refinance in Kentucky range from 2 percent to 5 percent of the loan amount. For a 200,000 dollar loan, you might pay 4,000 to 10,000 dollars in fees. These costs include lender fees, title insurance, appraisal, and recording charges. Kentucky also charges a mortgage recording tax of 0.10 percent 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 is the three day rescission rule for refinancing in Kentucky?
Kentucky follows federal law giving you three business days after closing to cancel a refinance. This right applies to most home equity loans and refinances on your primary residence. The lender must notify you of this right at closing.
Do I need a home appraisal to refinance in Covington?
Most lenders require an appraisal to confirm your home value. In Covington, recent sales data and local market conditions affect the appraisal amount. Some lenders offer no appraisal options but may charge a higher rate.
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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 Kentucky.