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Mortgage Refinance Companies in Festus, MO

Directory of mortgage refinance companies in Festus, Missouri. Verify credentials with the state state mortgage licensing authority before hiring.

12 agents listed
Updated June 2026
Festus, MO
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 Missouri before hiring.
Showing 12 mortgage refinance companies in Festus, MO Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Sun Loan Company
800 S Truman Blvd, Festus, MO 63028
(636) 937-0040 sunloan.com
USA Mortgage
1115 W Gannon Dr, Festus, MO 63028
(636) 385-5232 usamortgage.com
Security Finance
345 N Creek Dr, Festus, MO 63028
(636) 933-0753 securityfinance.com
Heights Finance
354 Festus Centre Dr, Festus, MO 63028
(636) 937-9700 heightsfinance.com
Check Into Cash
1166 W Gannon Dr, Festus, MO 63028
(636) 933-0100 local.checkintocash.com
Hancock Mortgage - Mary C. Baragary
114 E Main St REAR, Festus, MO 63028
(314) 606-9436 applywithmcb.com
Jaimie Stockbarger-USA Mortgage
1115 W Gannon Dr, Festus, MO 63028
(314) 972-2386 usamortgage.com
OneMain Financial
1149 E Gannon Dr, Festus, MO 63028
(636) 937-9136 onemainfinancial.com
Flat Branch Home Loans
380 Festus Centre Dr, Festus, MO 63028
(636) 489-4026 flatbranchhomeloans.com
Eric Neal-USA Mortgage
1115 W Gannon Dr, Festus, MO 63028
(618) 581-2328 usamortgage.com
Guild Mortgage Company
116 E Beffa St, Festus, MO 63028
(636) 638-1501 guildmortgage.com
Mortgage, Bank of America
998 E Gannon Dr, Festus, MO 63028
(636) 337-2354 bankofamerica.com

Mortgage refinance companies in Festus, Missouri help homeowners lower their interest rate or change loan terms. Missouri law requires clear disclosure of all fees and closing costs under the Missouri Mortgage Broker Practices Act. Local lenders in Festus understand the Jefferson County real estate market and can guide you through the refinance process.

What Does a Mortgage Refinance Company in Festus Cost?

Typical costs for a mortgage refinance in Festus, Missouri include an origination fee of 0.5% to 1% of the loan amount, an appraisal fee of $400 to $600, and title insurance of $500 to $1,000. Closing costs generally range from 2% to 5% of the loan principal. Missouri does not cap these fees, so shop around for the best rate. 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 Festus Missouri?
You typically need pay stubs, tax returns, bank statements, and a valid ID. Missouri law does not require extra documents beyond standard federal guidelines. Your refinance company will provide a full list based on your loan type.
How long does a mortgage refinance take in Festus Missouri?
Most refinances in Festus close in 30 to 45 days. Missouri does not have a state-specific waiting period for refinancing. The timeline depends on your lender and appraisal scheduling.
Are there Missouri laws that protect me when refinancing my home?
Yes, the Missouri Mortgage Broker Practices Act requires brokers to disclose all fees and terms in writing. You also have a three-day right of rescission for most refinances under federal law. This means you can cancel the loan within three business days without penalty.

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