Find Mortgage Refinance Companies Near You in Tacoma, WA
Compare mortgage refinance companies in Tacoma. Review contact information and insurance categorys before you decide.
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State Mortgage Licensing Authority of Washington before hiring.
Showing 20 mortgage refinance companies in Tacoma, WA
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Mortgage refinance companies in Tacoma, Washington help homeowners lower their interest rate or change loan terms. Washington state law requires lenders to be licensed under the Consumer Loan Act. Local Tacoma lenders understand the regional housing market and can guide you through the refinance process.
What Does a Mortgage Refinance Company in Tacoma Cost?
Typical costs for a mortgage refinance in Washington include an origination fee of 0.5% to 1% of the loan amount, appraisal fees of $400 to $700, and title insurance costs of $1,000 to $2,500. Closing costs in Tacoma generally range from 2% to 5% of the loan principal. These costs vary by lender, property value, and loan type. 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 Tacoma?
You typically need recent pay stubs, tax returns, bank statements, and proof of homeowners insurance. Washington lenders may also require a property appraisal. The exact list depends on your loan type and lender requirements.
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 needed. Some lenders offer faster options for certain loan types.
Are there Washington state laws that affect refinancing?
Yes, Washington requires lenders to provide a Loan Estimate within three business days of application. The state also has a three day right of rescission for most refinances, allowing you to cancel the loan without penalty. These rules help protect borrowers.