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Find Mortgage Refinance Companies in Smithfield, NC
Looking for a mortgage refinance company in Smithfield? Review the directory below to compare your options.
11 agents listed
Updated May 2026
Smithfield, 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 11 mortgage refinance companies in Smithfield, 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.
Mariner Finance
1267 N Brightleaf Blvd B, Smithfield, NC 27577
9199380777
State Employees’ Credit Union
502 N Brightleaf Blvd, Smithfield, NC 27577
9199341151
Coastal Finance Co
130 E Peedin Rd, Smithfield, NC 27577
9199893114
OneMain Financial
1670 Booker Dairy Rd, Smithfield, NC 27577
9199896603
Security Credit Corporation
710 S Brightleaf Blvd, Smithfield, NC 27577
9199384555
United Community
128 N 2nd St, Smithfield, NC 27577
9199896700
Lendmark Financial Services LLC
388 Venture Dr Suite C, Smithfield, NC 27577
9842019196
Quality Finance Co Inc
721 N Brightleaf Blvd, Smithfield, NC 27577
9199341111
AgCarolina Farm Credit
2850 US Hwy 70 Business East, Smithfield, NC 27577
9199349731
Security Finance
1267 N Brightleaf Blvd, Smithfield, NC 27577
9199380777
PNC Mortgage
410 E Market St, Smithfield, NC 27577
9199340171
Mortgage refinance companies in Smithfield, North Carolina help homeowners adjust their loan terms or lower their interest rates. North Carolina law requires lenders to provide a Good Faith Estimate of closing costs within three business days of application. Local firms offer services tailored to Johnston County property values and state regulations.
What Does a Mortgage Refinance Company in Smithfield Cost?
Typical costs for a mortgage refinance in North Carolina range from 2% to 5% of the loan amount. This includes an appraisal fee of $400 to $700, title search and insurance of $500 to $1,000, and lender origination fees of 0.5% to 1% of the loan. North Carolina also charges a mortgage tax of $1 per $100 of the loan amount. These costs vary by lender, loan type, and property value. This is general information, 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 Smithfield?
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 report. Gather these items before applying to speed up the process.
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 or title search takes longer. Federal law gives you three days after signing to cancel the loan.
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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.