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Find Mortgage Refinance Companies Near You in Ephrata, WA
Directory of mortgage refinance companies in Ephrata, Washington. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Ephrata, WA
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 Washington before hiring.
Showing 2 mortgage refinance companies in Ephrata, WA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Chase Mortgage
109 Division Ave W, Ephrata, WA 98823
5097542445
Lorena Urrutia – Banner Bank Residential Loan Officer
447 Basin St SW, Ephrata, WA 98823
5096708575
Mortgage refinance companies in Ephrata, Washington help homeowners lower their interest rate, change loan terms, or access home equity. Washington state law requires lenders to be licensed and follow specific disclosure rules under the Consumer Loan Act. Local refinance options can be tailored to properties in Grant County and the surrounding area.
What Does a Mortgage Refinance Company in Ephrata Cost?
Typical costs for a mortgage refinance in Washington include an origination fee of 0.5% to 1% of the loan amount, an appraisal fee of $400 to $700, and title insurance costs around $800 to $1,500. Closing costs generally total 2% to 5% of the loan principal. These amounts vary by lender, loan type, 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 documents do I need to refinance a mortgage in Ephrata?
You typically need pay stubs, tax returns, bank statements, and proof of homeowners insurance. Washington lenders may also require a property appraisal and a credit check. Each company has its own list of required paperwork.
How long does a mortgage refinance take in Washington?
A standard refinance in Washington usually takes 30 to 45 days from application to closing. Delays can occur if the appraisal is slow or if additional documentation is needed. The timeline also depends on the lender’s workload.
Are there Washington state laws that affect mortgage refinancing?
Yes, Washington has a three-day right of rescission for most refinances, giving you time to cancel after signing. Lenders must also follow the Washington Consumer Loan Act and provide clear loan estimates. These rules help protect borrowers from unfair practices.
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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 Washington.