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 3 mortgage refinance companies in Mercer Island, 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 Home Lending
7900 SE 28th St Ste 101, Mercer Island, WA 98040
5035770044
US Bank Mortgage
2737 78th Ave SE #102, Mercer Island, WA 98040
2062365909
Charlene Wenner-U.S. Bank Mortgage
2737 78th Ave SE #102, Mercer Island, WA 98040
4256372428
What Does a Mortgage Refinance Company in Mercer Island 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 ranging from $500 to $1,500. Third-party costs like credit report fees and recording fees add $100 to $300. Total closing costs often range from 2% to 5% of the loan principal. 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 Mercer Island?
You typically need pay stubs, tax returns, bank statements, and proof of homeowners insurance. Washington lenders also require a property appraisal and a credit check. The exact list depends on your loan type and lender.
How long does a mortgage refinance take in Washington State?
A standard refinance in Washington usually takes 30 to 45 days from application to closing. Delays can occur if the appraisal or title work takes extra time. Your lender must provide a Loan Estimate within three business days of your application.
Are there Washington-specific rules for refinancing a home?
Yes, Washington law requires lenders to be licensed under the Consumer Loan Act. Borrowers have a three-day right of rescission after signing for most refinances. Lenders must also disclose all costs in a Good Faith Estimate or Loan Estimate.