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Find Mortgage Refinance Companies in Kelso, WA

Directory of mortgage refinance companies in Kelso, Washington. Verify credentials with the state state mortgage licensing authority before hiring.

3 agents listed
Updated June 2026
Kelso, 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 State Mortgage Licensing Authority of Washington before hiring.
Showing 3 mortgage refinance companies in Kelso, 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.
Academy Mortgage
209 W Main St UNIT 103, Kelso, WA 98626
(360) 577-6000 academy.guildmortgage.com
OneMain Financial
224 S Kelso Dr, Kelso, WA 98626
(360) 575-1854 onemainfinancial.com
Kristi Spears VIP Mortgage INC
209 W Main St UNIT 103, Kelso, WA 98626
(360) 957-1757 kristispears.vipmtginc.com

Mortgage refinance companies in Kelso, Washington help homeowners lower their interest rate, change loan terms, or access home equity. Washington state law requires lenders to provide a Loan Estimate within three business days of application. Local Kelso lenders understand Cowlitz County property values and can guide you through the refinance process.

What Does a Mortgage Refinance Company in Kelso Cost?

Typical costs for a mortgage refinance in Washington include an origination fee of 0.5 to 1 percent of the loan amount, an appraisal fee of 400 to 700 dollars, and title insurance costs of 500 to 1,200 dollars. Third-party fees for credit reports and recording may add 100 to 300 dollars. These costs vary by lender and loan size. 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 my mortgage in Kelso?
You will need recent pay stubs, tax returns, bank statements, and proof of homeowners insurance. Washington lenders also require a property appraisal to confirm your home value.
How long does a mortgage refinance take in Washington?
A typical refinance in Washington takes 30 to 45 days from application to closing. This timeline can vary based on your lender workload and appraisal availability in Cowlitz County.
Are there Washington state laws that affect refinancing?
Yes. Washington requires lenders to follow the Consumer Loan Act and provide clear disclosures. You also have a three-day right of rescission after signing to cancel the refinance for any reason.

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