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Directory of mortgage refinance companies in Spanish Fort, Alabama. Verify credentials with the state state mortgage licensing authority before hiring.
9 agents listed
Updated June 2026
Spanish Fort, AL
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 Alabama before hiring.
Showing 9 mortgage refinance companies in Spanish Fort, AL
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Mortgage refinance companies in Spanish Fort Alabama help homeowners lower their interest rates or change loan terms. Alabama law requires all mortgage brokers and lenders to be licensed through the Alabama State Banking Department. Spanish Fort residents often refinance to take advantage of local property value trends and lower monthly payments.
What Does a Mortgage Refinance Company in Spanish Fort Cost?
Typical costs for a mortgage refinance in Alabama 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 1,000 dollars. Alabama also imposes a mortgage tax of 15 cents per 100 dollars borrowed. Total closing costs often range from 2 to 5 percent of the loan 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 Spanish Fort Alabama?
You typically need recent pay stubs tax returns bank statements and a valid ID. Alabama lenders also require a property appraisal to confirm your home value. Gather these documents before meeting with a refinance company.
How long does a mortgage refinance take in Alabama?
A standard refinance in Alabama usually takes 30 to 45 days from application to closing. Delays can happen if the appraisal or title search takes longer. Your refinance company will give you a timeline estimate.
Are there Alabama laws that affect refinancing costs?
Yes Alabama charges a mortgage tax of 15 cents per 100 dollars of the loan amount. There is also a state recording fee for the new mortgage. These costs are in addition to lender fees and title insurance.
Mortgage Refinance Companies in Other Alabama Cities
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About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state 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 State Mortgage Licensing Authority of Alabama.