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Directory of mortgage refinance companies in Ellicott City, Maryland. Verify credentials with the state state mortgage licensing authority before hiring.
11 agents listed
Updated June 2026
Ellicott City, MD
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 State Mortgage Licensing Authority of Maryland before hiring.
Showing 11 mortgage refinance companies in Ellicott City, MD
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Mortgage refinance companies in Ellicott City Maryland help homeowners lower their interest rates or change loan terms. Maryland law requires lenders to provide clear loan estimates and a three-day right of rescission for most refinances. Local companies understand Howard County property values and can guide you through the process.
What Does a Mortgage Refinance Company in Ellicott City Cost?
Typical costs for a mortgage refinance in Maryland include an appraisal fee of $400 to $700, origination fees of 0.5% to 1% of the loan amount, and title insurance costs of $500 to $1,500. Third-party fees like credit reports and recording fees add $100 to $300. Total closing costs often range from 2% to 5% 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 documents do I need to refinance in Ellicott City?
You typically need recent pay stubs, tax returns, bank statements, and proof of homeowners insurance. Maryland lenders also require a property appraisal to confirm home value. Gather these items before applying to speed up the process.
How long does a mortgage refinance take in Maryland?
A standard refinance in Maryland usually takes 30 to 45 days from application to closing. Delays can occur if the appraisal is slow or if additional documents are needed. Your lender will provide a timeline estimate at the start.
Are there Maryland laws that protect me when refinancing?
Yes. Maryland requires lenders to give you a Loan Estimate within three business days of application. You also have a three-day right to cancel after signing for most refinances. These rules help ensure you understand the terms before committing.
Mortgage Refinance Companies in Other Maryland Cities
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About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state 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 State Mortgage Licensing Authority of Maryland.