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Looking for a mortgage refinance company in Gallup? Review the directory below to compare your options.
14 agents listed
Updated May 2026
Gallup, NM
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 New Mexico before hiring.
Showing 14 mortgage refinance companies in Gallup, NM
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Loanmax Title Loans
921 E Historic Hwy 66, Gallup, NM 87301
5058636171
Sun Loan Company
1600 E Hwy 66, Gallup, NM 87301
5057224970
World Finance
1704 E Hwy 66, Gallup, NM 87301
5057226833
Regional Finance
805 US-491, Gallup, NM 87301
5053996013
World Finance
1211 US-491, Gallup, NM 87301
5057269131
OneMain Financial
1746 W Maloney Ave, Gallup, NM 87301
5057225306
Gallup Payday Loans
G7HP+JG Gallup Payday Loans, Gallup, NM 87301
5055910880
Lucky Loans
611 E Coal Ave, Gallup, NM 87301
5058635825
Mesa Loans
112 Boardman Dr, Gallup, NM 87301
5058632224
Midwest Finance
1606 E Hwy 66, Gallup, NM 87301
5057225559
TSE Bonito Finance
1575-B NM-264, Gallup, NM 87301
5053715344
World Acceptance
115 S 1st St, Gallup, NM 87301
5057226833
Superior Mortgage Corporation
Gallup, NM 87301
5058638912
US Bank Mortgage
101 W Hill Ave, Gallup, NM 87301
8008722657
A mortgage refinance company in Gallup New Mexico helps homeowners lower their interest rate or change loan terms. New Mexico law requires lenders to provide a clear Loan Estimate within three business days of application. Local Gallup lenders understand the unique housing market in McKinley County and can guide you through the refinance process.
What Does a Mortgage Refinance Company in Gallup Cost?
Typical costs for a mortgage refinance in New Mexico include an origination fee of 0.5 to 1 percent of the loan amount, an appraisal fee of 400 to 700 dollars, and title insurance of 500 to 1,000 dollars. New Mexico recording fees are usually 20 to 50 dollars. Total closing costs often range from 2,000 to 5,000 dollars. 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 Gallup New Mexico?
You typically need recent pay stubs, tax returns, bank statements, and a photo ID. New Mexico law does not require extra documents beyond federal standards, but local lenders may ask for proof of property insurance.
How long does a mortgage refinance take in New Mexico?
A standard refinance in New Mexico usually takes 30 to 45 days from application to closing. New Mexico law allows a three day rescission period after signing, which can add time.
Are there New Mexico specific fees for refinancing?
New Mexico charges a mortgage recording tax of 0.01 percent of the loan amount. Some counties also have a transfer tax. These fees are in addition to lender origination fees and appraisal costs.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial 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 mortgage licensing authority before hiring.
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 New Mexico.