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Compare Mortgage Refinance Companies in St Joseph, MI
Directory of mortgage refinance companies in St Joseph, Michigan. Verify credentials with the state mortgage licensing authority before hiring.
5 agents listed
Updated May 2026
St Joseph, 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 5 mortgage refinance companies in St Joseph, 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 Federal Credit Union - State Street St. Joseph
2819 S State St, St Joseph, MI 49085
8889821400
Joy Cluff- Mortgage Loan Advisor
2819 S State St St, St Joseph, MI 49085
2693636953
John Brown - Mortgage Advisor - United Federal Credit Union
2819 S State St, St Joseph, MI 49085
2699824760
Rate
717 Ship St, St Joseph, MI 49085
6162151020
Chase Mortgage
1310 Hilltop Rd, St Joseph, MI 49085
2699264784
A mortgage refinance company in St Joseph Michigan helps homeowners adjust their loan terms or lower their interest rate. Michigan law requires lenders to provide a Loan Estimate within three business days of receiving a complete application. Local companies in Berrien County can assist with both conventional and government-backed refinance programs.
What Does a Mortgage Refinance Company in St Joseph Cost?
Typical costs for a mortgage refinance in Michigan include an origination fee of 0.5% to 1% of the loan amount, plus appraisal fees from $400 to $700, and title insurance costs around $500 to $1,000. Third-party fees such as credit report charges and recording fees add another $100 to $300. Total closing costs often range from 2% to 5% of the loan principal. This is general information and does not constitute 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 for a mortgage refinance in St Joseph Michigan?
You typically need recent pay stubs, tax returns, bank statements, and proof of homeowners insurance. Michigan lenders also require a property appraisal to confirm the home value. Gather these items before you apply to speed up the process.
How long does a mortgage refinance take in Michigan?
A standard refinance in Michigan usually takes 30 to 45 days from application to closing. Delays can occur if the appraisal or title work takes extra time. Michigan law does not set a specific time limit for the full process.
Are there Michigan-specific rules for refinancing a home?
Michigan allows borrowers to cancel a refinance within three business days after closing under the right of rescission. This applies to most refinances on a primary residence. Lenders must also follow Michigan usury laws which cap interest rates on certain 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.