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 7 mortgage refinance companies in Kannapolis, 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.
Lori A. Allerton, Sales Manager NMLS 219458 | Presidential Bank Mortgage
226 Oak Ave Suite 108 & 109, Kannapolis, NC 28081
(704) 754-1599
presidentialbankmortgage.com
Lendmark Financial Services LLC
2224 Roxie Street Northeast, Kannapolis, NC 28083
(980) 308-0099
lendmarkfinancial.com
Troy Matzke - Gateway Mortgage
6001 Gateway Center Dr Ste. 103, Kannapolis, NC 28081
(980) 777-1237
gatewayfirst.com
Dana Walter - Gateway Mortgage
6001 Gateway Center Dr Ste. 103, Kannapolis, NC 28081
(980) 505-8023
gatewayfirst.com
Max Robertson - Gateway Mortgage
6001 Gateway Center Dr Ste. 103, Kannapolis, NC 28081
(980) 505-8016
gatewayfirst.com
Gateway Mortgage
6001 Gateway Center Dr Ste. 103, Kannapolis, NC 28081
(980) 505-8016
gatewayfirst.com
George Richardson, Senior Loan Officer NMLS 140896
226 Oak Ave Suites 108 & 109, Kannapolis, NC 28081
(704) 942-0152
pbm-loans.com
What Does a Mortgage Refinance Company in Kannapolis Cost?
Typical costs for refinancing a mortgage in Kannapolis include an appraisal fee of $400 to $600, lender origination fees of 0.5 to 1.0 percent of the loan amount, and title search and insurance costs of $500 to $1,000. North Carolina also charges a mortgage tax of 0.10 percent of the loan principal. Total closing costs often range from 2 to 5 percent of the loan amount. 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 Kannapolis?
You typically need pay stubs, tax returns, bank statements, and proof of homeowners insurance. North Carolina lenders also require a property appraisal and a credit check. Each lender may request additional documents based on your loan type.
How long does a mortgage refinance take in North Carolina?
A standard refinance in North Carolina usually takes 30 to 45 days from application to closing. Delays can occur if the appraisal is slow or if additional documentation is needed. Your lender must provide a Closing Disclosure at least three business days before closing.
Are there North Carolina laws that affect refinancing costs?
Yes, North Carolina imposes a state mortgage tax of 0.10 percent on the loan amount for refinances. This tax is paid at closing. Additionally, prepayment penalties are restricted under North Carolina law for most residential loans.