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Compare Mortgage Refinance Companies in Sandpoint, ID
Compare mortgage refinance companies in Sandpoint. Review contact information and insurance categorys before you decide.
2 agents listed
Updated May 2026
Sandpoint, 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 2 mortgage refinance companies in Sandpoint, 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.
Evergreen Home Loans Sandpoint NMLS 1049576
105 Pine St Suite 109, Sandpoint, ID 83864
2082635300
Loan Star Mortgage Co
101 N 1st Ave, Sandpoint, ID 83864
2082655070
A mortgage refinance company in Sandpoint Idaho helps homeowners adjust their loan terms or lower their interest rate. Idaho law requires lenders to provide a Good Faith Estimate within three business days of application. Local companies understand the Sandpoint real estate market and can guide you through the refinance process.
What Does a Mortgage Refinance Company in Sandpoint Cost?
Typical costs for a mortgage refinance in Idaho include an appraisal fee of 400 to 700 dollars, loan origination fees of 0.5 to 1.5 percent of the loan amount, and title insurance costs of 500 to 1,000 dollars. Closing costs generally range from 2 to 5 percent of the loan principal. 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 Sandpoint Idaho?
You will need recent pay stubs, tax returns, bank statements, and proof of homeowners insurance. Idaho lenders also require a property appraisal. Gather these documents before you apply to speed up the process.
How long does a mortgage refinance take in Idaho?
A typical refinance in Idaho takes 30 to 45 days from application to closing. Delays can happen if the appraisal or title search takes longer. Your lender will provide a timeline after you submit your application.
Are there Idaho specific laws about mortgage refinancing?
Yes. Idaho follows a non-judicial foreclosure process and has a 150 day reinstatement period after default. Refinance lenders must also comply with Idaho Code Title 26 which regulates lending practices. Always read your loan documents carefully.
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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.