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Compare mortgage refinance companies in Watertown. Review contact information and insurance categorys before you decide.
5 agents listed
Updated May 2026
Watertown, SD
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 South Dakota before hiring.
Showing 5 mortgage refinance companies in Watertown, SD
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Sarah E Erickson | Fairway Independent Mortgage Corporation Loan Officer
114 W Kemp Ave, Watertown, SD 57201
6057530136
Reliabank
830 10th St SW, Watertown, SD 57201
6058867700
Fairway Independent Mortgage Corporation
114 W Kemp Ave, Watertown, SD 57201
6057530136
OneMain Financial
1040 29th St SE, Watertown, SD 57201
6058863770
Bob Boes - Reliabank Mortgage - NMLS# 404159
1401 4th St NE, Watertown, SD 57201
6058844445
Mortgage refinance companies in Watertown South Dakota help homeowners lower their interest rates or change loan terms. South Dakota law does not require a specific waiting period to refinance, but lenders must follow federal Truth in Lending Act rules. Local lenders in Watertown understand the regional housing market and can guide you through the refinance process.
What Does a Mortgage Refinance Company in Watertown Cost?
Typical costs for a mortgage refinance in South Dakota include an origination fee of 0.5 to 1 percent of the loan amount, an appraisal fee of 400 to 600 dollars, and title insurance costs of 500 to 1,000 dollars. Closing costs usually total 2 to 5 percent of the loan principal. These amounts vary by lender and property value. 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 is a mortgage refinance company in Watertown?
A mortgage refinance company in Watertown helps you replace your current home loan with a new one. They work with local lenders to find terms that fit your financial goals. These companies handle the application, appraisal, and closing process for you.
How long does a mortgage refinance take in South Dakota?
A typical mortgage refinance in South Dakota takes 30 to 45 days from application to closing. Delays can occur if an appraisal is needed or if there are title issues. Your lender will provide a timeline estimate based on your specific case.
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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 South Dakota.