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 Idaho before hiring.
Showing 4 mortgage refinance companies in Garden City, ID
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Half Price Title Loans by Ideal Lending
4213 W Chinden Blvd, Garden City, ID 83714
2083365626
Diversified Mortgage Group
7977 W Marigold St, Garden City, ID 83714
2088537878
Home Loans of Idaho
3724 N Plantation River Dr #102, Garden City, ID 83703
2082977444
US Bank Mortgage
Garden City, ID 83714
8008722657
What Does a Mortgage Refinance Company in Garden City Cost?
Typical costs for a mortgage refinance in Garden City, Idaho range from 2 to 5 percent of the loan amount, including lender fees, appraisal fees (often 400 to 700 dollars), title insurance, and recording fees. Idaho does not impose a state mortgage tax, which can reduce total expenses. Your actual costs depend on your loan size, credit score, and lender. 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 Garden City?
You typically need recent pay stubs, W-2 forms, tax returns, bank statements, and proof of homeowners insurance. Idaho lenders may also ask for a property appraisal to confirm your home value in Garden City.
How long does a mortgage refinance take in Idaho?
A standard refinance in Idaho usually takes 30 to 45 days from application to closing. Idaho law does not set a specific timeline, but lenders must provide the Loan Estimate within three business days and the Closing Disclosure at least three business days before closing.
Are there Idaho-specific rules for refinancing a mortgage?
Yes, Idaho is a non-judicial foreclosure state, which can affect refinance options for homeowners with past due payments. Also, Idaho does not have a state mortgage tax, so refinance closing costs may be lower than in some other states.