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 North Carolina before hiring.
Showing 20 mortgage refinance companies in Charlotte, NC
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Cardinal Financial Company, Limited Partnership
3530 Toringdon Way #200, Charlotte, NC 28277
(980) 242-2013
cardinalfinancial.com
PrimeLine Capital
128 S Tryon St Suite 1832, Charlotte, NC 28202
(704) 285-8020
primelinecapital.com
Fairway Mortgage Carolinas
8832 Blakeney Professional Dr # 102, Charlotte, NC 28277
(704) 541-1172
fairwaymortgagecarolinas.com
Leverage Lending Group
216 N McDowell St # 200, Charlotte, NC 28204
(704) 631-9276
lendwithleverage.com
Lennar Mortgage, LLC Charlotte
11605 N Community House Rd Suite 400A, Charlotte, NC 28277
(704) 644-1459
lennarmortgage.com
PrimeLending, A PlainsCapital Company - Charlotte
6100 Fairview Rd Suite 550, Offices 31-33, Charlotte, NC 28210
(980) 245-5680
lo.primelending.com
Reliance First Capital, LLC. NMLS ID # 58775
11605 N Community House Rd #200, Charlotte, NC 28277
(866) 970-1550
reliancefirst.com
Motivation Mortgage
9140 Arrowpoint Blvd Suite 130, Charlotte, NC 28273
(704) 746-0300
motivationmortgage.com
1st Advantage Mortgage
128 S Tryon St Suite 1933, Charlotte, NC 28202
(704) 343-8681
firstadvantagemortgage.com
Mutual of Omaha Mortgage
525 N Tryon St Suite 1600, Office 1637, Charlotte, NC 28202
(913) 393-9532
mutualmortgage.com
Highlands Residential Mortgage
6000 Fairview Rd #625, Charlotte, NC 28210
(704) 366-7711
highlandsmortgage.com
CrossCountry Mortgage, LLC
1230 W Morehead St STE 108, Charlotte, NC 28208
(704) 604-4020
704mortgage.com
What Does a Mortgage Refinance Company in Charlotte Cost?
Typical costs for a mortgage refinance in North Carolina range from 2 to 5 percent of the loan amount. This includes an appraisal fee of 400 to 700 dollars, title search and insurance of 500 to 1,000 dollars, and lender origination fees. Closing costs in Charlotte average around 3,000 to 5,000 dollars for a standard loan. 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 is the typical timeline for a mortgage refinance in Charlotte?
A standard refinance in North Carolina takes 30 to 45 days from application to closing. Delays can occur if an appraisal or title search is needed. Your lender will provide a timeline estimate after reviewing your application.
Are there North Carolina specific rules for refinancing a mortgage?
Yes, North Carolina law limits prepayment penalties on most residential mortgages. Lenders must also disclose the Annual Percentage Rate and total finance charges before closing. These rules protect borrowers under the North Carolina Consumer Finance Act.
What documents do I need to refinance in Charlotte North Carolina?
You typically need pay stubs, tax returns, bank statements, and a photo ID. North Carolina lenders may also require proof of homeowners insurance. Your refinance company will give you a full list based on your loan type.