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Find Mortgage Refinance Companies Near You in Ephrata, PA
Looking for a mortgage refinance company in Ephrata? Review the directory below to compare your options.
6 agents listed
Updated May 2026
Ephrata, PA
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 Pennsylvania before hiring.
Showing 6 mortgage refinance companies in Ephrata, PA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Mark Newcomb with HomeSale Mortgage
5 Old Mill Rd, Ephrata, PA 17522
6106982140
Ephrata National Bank
809 Martin Ave, Ephrata, PA 17522
7177334631
Ephrata National Bank
31 E Main St, Ephrata, PA 17522
7177334181
Farmers Insurance Schrum Agency
1522 W Main St, Ephrata, PA 17522
7172297999
PNC Mortgage
280 N Reading Rd, Ephrata, PA 17522
7177337937
Mortgage Loans-USA
4 Hoover Dr, Ephrata, PA 17522
7174666278
Mortgage refinance companies in Ephrata, Pennsylvania help homeowners lower their interest rates or change loan terms. Pennsylvania law requires lenders to provide a Good Faith Estimate of closing costs within three business days of application. Local refinance services can guide you through the process and explain state-specific rules on prepayment penalties and escrow accounts.
What Does a Mortgage Refinance Company in Ephrata Cost?
Typical costs for a mortgage refinance in Pennsylvania include an application fee of 250 to 500 dollars, an appraisal fee of 400 to 700 dollars, and title insurance of 500 to 1,000 dollars. Closing costs usually total 2 to 5 percent of the loan amount. These are general estimates; your actual costs will depend on your loan size, property value, and lender. This information is general 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 Ephrata?
You will need pay stubs, tax returns, bank statements, and proof of homeowners insurance. Pennsylvania lenders also require a copy of your current mortgage note and a recent property appraisal.
How long does a mortgage refinance take in Pennsylvania?
A typical refinance in Pennsylvania takes 30 to 45 days from application to closing. Delays can occur if the appraisal or title search takes longer than expected.
Are there Pennsylvania laws that protect me during refinancing?
Yes. Pennsylvania Act 6 limits prepayment penalties on certain loans. Lenders must also give you a three-day right of rescission after signing, allowing you to cancel the refinance without penalty.
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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 Pennsylvania.