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 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
(919) 938-0777
locations.marinerfinance.com
State Employees’ Credit Union
502 N Brightleaf Blvd, Smithfield, NC 27577
(919) 934-1151
locations.ncsecu.org
Security Credit Corporation
710 S Brightleaf Blvd, Smithfield, NC 27577
(919) 938-4555
securitycreditsmithfield.com
Lendmark Financial Services LLC
388 Venture Dr Suite C, Smithfield, NC 27577
(984) 201-9196
lendmarkfinancial.com
AgCarolina Farm Credit
2850 US Hwy 70 Business East, Smithfield, NC 27577
(919) 934-9731
agcarolina.com
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.