ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Compare Mortgage Refinance Companies in Post Falls, ID
Directory of mortgage refinance companies in Post Falls, Idaho. Verify credentials with the state mortgage licensing authority before hiring.
9 agents listed
Updated May 2026
Post Falls, ID
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 9 mortgage refinance companies in Post Falls, 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
3920 W 5th Ave # A2, Post Falls, ID 83854
2084571433
Monument Financial, Inc.
510 Clearwater Loop # 100, Post Falls, ID 83854
2089006350
STCU: Post Falls Branch
3903 E Primrose Ln #101, Post Falls, ID 83854
2086194000
Mountain West Bank - Post Falls
709 E Seltice Way, Post Falls, ID 83854
2087770160
Idaho Mortgage Broker Laura Guadamuz, Loan Officer NMLS #2097030
4252 E 16th Ave, Post Falls, ID 83854
2084815899
Erin Halleman, STCU Home Loans, NMLS #1173475
3903 E Primrose Ln #101, Post Falls, ID 83854
2086194005
Heartland Mortgage Inc NMLS# 70082
2700 E Seltice Way Ste 8, Post Falls, ID 83854
2087772030
Sierra Pacific Mortgage
4911 Inverness Dr, Post Falls, ID 83854
8004473386
US Bank Mortgage
415 E Seltice Way, Post Falls, ID 83854
8008722657
Mortgage refinance companies in Post Falls, Idaho help homeowners adjust their loan terms or lower their interest rates. Idaho law does not require a specific waiting period to refinance after purchase, but lenders often follow federal guidelines. Local companies in Kootenai County can guide you through the process and explain Idaho specific rules like the state's non-judicial foreclosure process.
What Does a Mortgage Refinance Company in Post Falls Cost?
Typical costs for a mortgage refinance in Idaho range from 2 to 5 percent of the loan amount. For a 200,000 dollar loan, this means 4,000 to 10,000 dollars in fees. These costs include appraisal fees around 400 to 600 dollars, title insurance, and lender origination fees. Actual costs vary by lender and loan type. 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 is the typical timeline for a mortgage refinance in Post Falls?
A standard refinance in Idaho usually takes 30 to 45 days from application to closing. Delays can happen if the property appraisal or title work takes longer. Your lender will provide a timeline estimate based on your specific case.
Are there Idaho specific laws that affect mortgage refinancing?
Idaho is a non-judicial foreclosure state, meaning lenders can foreclose without court action if the mortgage includes a power of sale clause. Idaho also has a 6 year statute of limitations for mortgage debt collection. These rules can affect refinance terms and your rights.
Do I need a home appraisal to refinance in Post Falls?
Most lenders require a home appraisal to refinance in Idaho. The appraisal determines your homes current market value, which affects your loan to value ratio. Some government backed loans like FHA streamline refinances may waive the appraisal requirement.
Free • No Obligation
Compare Mortgage Refinance Companies
Get matched with agents in Post Falls who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, 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 Idaho.