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Compare Mortgage Refinance Companies in Cold Spring, MN

Browse mortgage refinance companies serving Cold Spring, Minnesota. Contact information and addresses listed below.

2 agents listed
Updated May 2026
Cold Spring, MN
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 Minnesota before hiring.
Showing 2 mortgage refinance companies in Cold Spring, MN Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Keystone Home Finance
215 1st St S, Cold Spring, MN 56320
3202602029
John Munson/ Keystone Home Finance
215 1st St S suite 102, Cold Spring, MN 56320
3202601390

Mortgage refinance companies in Cold Spring, Minnesota help homeowners adjust their loan terms or lower their interest rates. Minnesota law requires lenders to provide a clear disclosure of all fees and terms within three business days of application. Local companies can guide you through the process and explain state-specific rules, such as the right to rescind within three days for certain loans.

What Does a Mortgage Refinance Company in Cold Spring Cost?

Typical costs for a mortgage refinance in Minnesota include an appraisal fee of 400 to 700 dollars, origination fees of 0.5 to 1.5 percent of the loan amount, and title insurance of 500 to 1,000 dollars. Closing costs generally 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 for a mortgage refinance in Cold Spring?
You typically need pay stubs, tax returns, bank statements, and proof of homeowners insurance. Minnesota law also requires lenders to provide a Loan Estimate form within three business days of your application.
How long does a mortgage refinance take in Minnesota?
The process usually takes 30 to 45 days from application to closing. Minnesota law gives you a three-day right of rescission after signing, which can add a few days before funds are released.