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Compare Mortgage Refinance Companies in Saginaw, MI
Compare mortgage refinance companies in Saginaw. Review contact information and insurance categorys before you decide.
20 agents listed
Updated May 2026
Saginaw, MI
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 Michigan before hiring.
Showing 20 mortgage refinance companies in Saginaw, MI
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
United Financial Credit Union
4685 State St, Saginaw, MI 48603
9897773620
Team One Credit Union
520 Hayden St, Saginaw, MI 48607
9897546575
Health Advantage Federal Credit Union
4550 State St, Saginaw, MI 48603
9897917070
Financial Plus Credit Union
1837 Bagley St, Saginaw, MI 48601
8007480451
OneMain Financial
4334 Bay Rd, Saginaw, MI 48603
9897909000
J Alfredo Robles #346071 - Southwest Funding
1120 S Michigan Ave STE1, Saginaw, MI 48602
6196006595
1st State Bank
4800 Fashion Square Blvd #100, Saginaw, MI 48604
9897997500
Joel Fritz
4343 State St Suite 2, Saginaw, MI 48603
9892336081
Dart Bank Saginaw Loan Center
4343 State St Suite 2, Saginaw, MI 48603
8009686818
Hantz Financial Services, Inc. - Saginaw, Michigan
Mortgage refinance companies in Saginaw Michigan help homeowners lower their interest rates or change loan terms. Michigan law requires lenders to provide a clear Loan Estimate within three business days of application. Local Saginaw lenders understand the regional housing market and can guide you through the refinance process.
What Does a Mortgage Refinance Company in Saginaw Cost?
Typical costs for a mortgage refinance in Michigan include an origination fee of 0.5 to 1 percent of the loan amount, appraisal fees of 400 to 700 dollars, and title insurance of 500 to 1,000 dollars. Third-party fees like credit report and recording fees add 100 to 300 dollars. Total closing costs often range from 2 to 5 percent of the loan principal. 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 Saginaw Michigan?
You typically need recent pay stubs, W-2 forms, tax returns, bank statements, and a valid ID. Michigan 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 Michigan?
A typical refinance in Michigan takes 30 to 45 days from application to closing. Delays can occur if the appraisal or title work takes longer. Your lender must provide a Closing Disclosure at least three business days before closing under Michigan and federal law.
Are there Michigan specific rules for mortgage refinancing?
Yes, Michigan has a 3-day right of rescission for most refinances, giving you time to cancel after signing. Lenders must follow the Michigan Mortgage Brokers Act and disclose all fees upfront. Also, Michigan does not allow prepayment penalties on most residential refinance loans.
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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 Michigan.