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Find Mortgage Refinance Companies in St Matthews, KY
Directory of mortgage refinance companies in St Matthews, Kentucky. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
St Matthews, 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 St Matthews, 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.
Borrowers Choice Mortgage
231 Breckenridge Ln # 202D, St Matthews, KY 40207
5028962616
HomeShield Mortgage, LLC
159 St Matthews Ave #3, St Matthews, KY 40207
5025487154
Mortgage refinance companies in St Matthews, Kentucky help homeowners lower their interest rate or change loan terms. Kentucky law requires lenders to follow specific disclosure rules under state statute KRS 286.8. Local companies in St Matthews can guide you through the process for homes in Jefferson County.
What Does a Mortgage Refinance Company in St Matthews Cost?
Typical costs for a mortgage refinance in Kentucky range from 2% to 5% of the loan amount. For a $200,000 loan, closing costs often fall between $4,000 and $10,000. These costs include an appraisal fee of $400 to $700, title insurance, and lender origination fees. Kentucky does not cap these fees, so 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 is the typical timeline for a mortgage refinance in St Matthews Kentucky?
A standard refinance in Kentucky usually takes 30 to 45 days from application to closing. Delays can occur if an appraisal or title work takes longer. Your lender will provide a Loan Estimate within three business days of your application.
Do Kentucky laws require a waiting period after refinancing?
Kentucky does not have a state-mandated waiting period after refinancing. However, federal law gives you a three-day right of rescission for most refinances on your primary residence. This means you can cancel the loan within three business days after closing.
What documents do I need for a refinance in St Matthews?
You typically need recent pay stubs, W-2 forms, tax returns, bank statements, and a photo ID. Kentucky lenders may also ask for proof of homeowners insurance. If you have a second mortgage, you will need that payoff statement as well.
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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.