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Looking for a mortgage refinance company in Owatonna? Review the directory below to compare your options.
2 agents listed
Updated May 2026
Owatonna, 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 Owatonna, 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.
Brenda Bednar at CrossCountry Mortgage
214 S Oak Ave, Owatonna, MN 55060
5074551858
Cambria Mortgage
319 N Cedar Ave Suite B, Owatonna, MN 55060
5073631307
Mortgage refinance companies in Owatonna, Minnesota help homeowners lower their interest rates or change loan terms. Minnesota law requires lenders to provide a Loan Estimate within three business days of application. Local refinance services can guide you through this process and explain state-specific rules like the Minnesota Residential Mortgage Origination Act.
What Does a Mortgage Refinance Company in Owatonna Cost?
Typical costs for a mortgage refinance in Minnesota include an origination fee of 0.5% to 1% of the loan amount, appraisal fees of $400 to $700, and title insurance of $500 to $1,000. Closing costs usually total 2% to 5% of the loan principal. For a $200,000 loan, expect $4,000 to $10,000 in total costs. 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 Owatonna?
You typically need pay stubs, tax returns, bank statements, and proof of homeowners insurance. Minnesota lenders also require a property appraisal. Gather these documents before applying to speed up the process.
How long does a mortgage refinance take in Minnesota?
A typical refinance in Minnesota takes 30 to 45 days from application to closing. Delays can happen if the appraisal is slow or if there are title issues. Your lender will provide a timeline after reviewing your application.
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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 Minnesota.