Find Mortgage Refinance Companies in Spokane, WA
Directory of mortgage refinance companies in Spokane, Washington. Verify credentials with the state state mortgage licensing authority before hiring.
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 20 mortgage refinance companies in Spokane, WA
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Mortgage refinance companies in Spokane Washington help homeowners lower their interest rate or change loan terms. Washington law requires lenders to be licensed by the Department of Financial Institutions and follow the Washington Consumer Loan Act. Local refinance options include conventional loans FHA loans and VA loans for eligible borrowers.
What Does a Mortgage Refinance Company in Spokane 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 of 500 to 1500 dollars. Third party costs like credit report fees and recording fees add 100 to 300 dollars. Closing costs in Spokane usually total 2 to 5 percent 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 for a mortgage refinance in Spokane?
You typically need recent pay stubs tax returns bank statements and a photo ID. Washington lenders also require a property appraisal and proof of homeowners insurance. Self employed borrowers may need additional profit and loss statements.
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 documents are requested. Washington law requires a three business day right of rescission after signing for most refinances.
Are there Washington specific rules for refinancing?
Yes Washington law limits prepayment penalties on most mortgages. Lenders must provide a Loan Estimate and Closing Disclosure within specific timeframes. The Washington Consumer Loan Act also requires clear disclosure of fees and interest rates.