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Compare Mortgage Refinance Companies in Ludlow, MA
Looking for a mortgage refinance company in Ludlow? Review the directory below to compare your options.
7 agents listed
Updated May 2026
Ludlow, MA
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 Massachusetts before hiring.
Showing 7 mortgage refinance companies in Ludlow, MA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Fairway Independent Mortgage Corporation-Ludlow, MA Branch
733 Chapin St Suite 104, Ludlow, MA 01056
4132109795
LUSO Federal Credit Union - Ludlow
599 East St, Ludlow, MA 01056
4135899966
Pioneer Valley Financial Group
535 East St, Ludlow, MA 01056
4135891500
Ben Cartagena
33 Center St, Ludlow, MA 01056
4132500827
Ludlow Branch
314 Center St, Ludlow, MA 01056
4137471326
Michele Morris
33 Center St, Ludlow, MA 01056
4136957319
Gary Teixeira - Mortgage Loan Officer
549 Center St, Ludlow, MA 01056
4134785420
Mortgage refinance companies in Ludlow Massachusetts help homeowners lower their interest rates or change loan terms. Massachusetts law requires lenders to provide a Good Faith Estimate of closing costs within three business days of application. Local Ludlow residents can work with these companies to access equity or reduce monthly payments.
What Does a Mortgage Refinance Company in Ludlow Cost?
Typical costs for a mortgage refinance in Massachusetts range from 2 to 5 percent of the loan amount. This includes an appraisal fee of 400 to 700 dollars, an origination fee of 0.5 to 1 percent, and title search fees of 300 to 600 dollars. Massachusetts also charges a mortgage recording tax of 0.23 percent of the loan amount. Note that costs vary by lender and loan type. This is general information, 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 Ludlow Massachusetts?
A standard refinance in Massachusetts usually takes 30 to 45 days from application to closing. Delays can occur if an appraisal or title search takes longer. Your lender must provide a Closing Disclosure at least three business days before closing.
Are there Massachusetts specific laws that affect mortgage refinancing?
Yes Massachusetts has a 3 day right of rescission for most refinances on a primary residence. This means you can cancel the loan within three business days after signing. Also Massachusetts requires lenders to be licensed under the Division of Banks.
What documents do I need to refinance my mortgage in Ludlow?
You typically need recent pay stubs, W2 forms, tax returns, bank statements, and a copy of your current mortgage statement. Massachusetts lenders may also ask for proof of homeowners insurance. Having these ready can speed up the process.
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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 Massachusetts.