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Find Mortgage Refinance Companies Near You in Kinston, NC
Looking for a mortgage refinance company in Kinston? Review the directory below to compare your options.
8 agents listed
Updated May 2026
Kinston, NC
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 North Carolina before hiring.
Showing 8 mortgage refinance companies in Kinston, 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.
Time Financing Service
1600 W Vernon Ave, Kinston, NC 28504
2522080142
National Finance Company
405 W Vernon Ave, Kinston, NC 28501
2525238107
Ezzell Mortgage Group
2600 W Vernon Ave, Kinston, NC 28504
2525238171
OneMain Financial
506 Plaza Blvd, Kinston, NC 28501
2525223211
Lendmark Financial Services LLC
4167 W Vernon Ave, Kinston, NC 28504
2525235161
SMC Home Finance
717 Rosanne Dr STE 1, Kinston, NC 28504
2525235800
East Carolina Mortgage
2506 N Herritage St Suite B, Kinston, NC 28501
2525238171
PNC Mortgage
609 Plaza Blvd, Kinston, NC 28501
2525592240
Mortgage refinance companies in Kinston North Carolina help homeowners lower their interest rate or change loan terms. North Carolina law requires lenders to provide a Good Faith Estimate of closing costs within three business days of application. Local Kinston lenders can guide you through the refinance process for your home in Lenoir County.
What Does a Mortgage Refinance Company in Kinston Cost?
Typical costs for a mortgage refinance in North Carolina include an appraisal fee of 400 to 600 dollars, an origination fee of 0.5 to 1.5 percent of the loan amount, and title insurance costs of 500 to 1,000 dollars. Closing costs generally range from 2 to 5 percent of the refinance loan amount. These figures are estimates and your actual costs will depend on your loan size, lender, and property location. 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 Kinston North Carolina?
You typically need pay stubs, tax returns, bank statements, and proof of homeowners insurance. North Carolina lenders also require a property appraisal and a completed loan application. Gather these documents before you apply to speed up the process.
How long does a mortgage refinance take in North Carolina?
A typical refinance in North Carolina takes 30 to 45 days from application to closing. The timeline can vary based on your lender, appraisal availability, and your response to document requests. North Carolina law does not set a specific maximum time for refinances.
Are there prepayment penalties for refinancing in North Carolina?
North Carolina law does not allow prepayment penalties on most residential mortgage loans. This means you can refinance without paying a penalty for paying off your old loan early. Check your current loan agreement to confirm it is not exempt from this rule.
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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 North Carolina.