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Directory of mortgage refinance companies in South St Paul, Minnesota. Verify credentials with the state state mortgage licensing authority before hiring.
2 agents listed
Updated June 2026
South St Paul, 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 State Mortgage Licensing Authority of Minnesota before hiring.
Showing 2 mortgage refinance companies in South St Paul, 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.
A mortgage refinance company in South St Paul Minnesota can help you lower your interest rate or change your loan term. Minnesota law requires lenders to provide a Good Faith Estimate of closing costs within three business days of your application. Local companies understand the South St Paul housing market and can guide you through the refinance process.
What Does a Mortgage Refinance Company in South St Paul Cost?
Typical costs for a mortgage refinance in Minnesota include an origination fee of 0.5% to 1% of the loan amount, an appraisal fee of $400 to $700, and title insurance costs around $800 to $1,500. Closing costs generally total 2% to 5% 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 South St Paul?
You typically need pay stubs, tax returns, bank statements, and a photo ID. Minnesota lenders also require a property appraisal to confirm your homes current value.
How long does a mortgage refinance take in Minnesota?
A standard refinance in Minnesota usually takes 30 to 45 days from application to closing. Delays can occur if the appraisal or title search takes longer than expected.
Are there Minnesota specific rules for refinancing a mortgage?
Yes. Minnesota Statute 47.206 requires lenders to disclose the annual percentage rate and total finance charges before closing. You also have a three day right of rescission after signing to cancel the refinance.
Mortgage Refinance Companies in Other Minnesota Cities
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BeforeMortgageUSA.com is not a law firm, mortgage referral service, or legal advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state state mortgage licensing authority association before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state 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 State Mortgage Licensing Authority of Minnesota.