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Find Mortgage Refinance Companies in Peru, IL

Looking for a mortgage refinance company in Peru? Review the directory below to compare your options.

7 agents listed
Updated June 2026
Peru, IL
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 Illinois before hiring.
Showing 7 mortgage refinance companies in Peru, IL Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
World Finance
5301 IL-251 Ste C, Peru, IL 61354
(815) 223-2240 loansbyworld.com
Community Lenders
1011 Shooting Park Rd Suite 102, Peru, IL 61354
(815) 223-1800 communitylendersperu.com
OneMain Financial
3935 Frontage Rd, Peru, IL 61354
(815) 224-2631 onemainfinancial.com
Peru Federal Savings Bank
1730 4th St, Peru, IL 61354
(815) 223-4300 perufederalsavings.com
Raymond James Financial Services
1800 4th St #2, Peru, IL 61354
(815) 223-1891 raymondjames.com
First Federal Savings Bank
1600 38th St, Peru, IL 61354
(815) 224-3100 ffsbweb.com
Maricela Torres Gomez - Mortgage Banker - Heartland Bank
925 Shooting Park Rd, Peru, IL 61354
(815) 223-7500 hbtbank.com

Mortgage refinance companies in Peru, Illinois help homeowners adjust their loan terms or lower their interest rates. Illinois law requires lenders to provide a Loan Estimate within three business days of application. Local companies understand the property values and market conditions in LaSalle County.

What Does a Mortgage Refinance Company in Peru Cost?

Typical costs for refinancing a mortgage in Illinois include an origination fee of 0.5% to 1% of the loan amount, appraisal fees of $400 to $700, and title insurance of $500 to $1,000. Third party costs like credit report fees and recording fees add $50 to $200. Total closing costs often range from 2% to 5% of the loan amount. 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 a mortgage in Peru Illinois?
You typically need pay stubs, tax returns, bank statements, and a photo ID. Illinois lenders also require proof of homeowners insurance. The exact list may vary by lender.
How long does a mortgage refinance take in Illinois?
A standard refinance in Illinois usually takes 30 to 45 days from application to closing. Delays can happen if an appraisal is needed or if documents are incomplete. Illinois law does not set a specific maximum time limit.
Are there Illinois specific rules for refinancing a mortgage?
Yes, Illinois requires lenders to be licensed under the Residential Mortgage License Act. Borrowers have a three day right of rescission for most refinances. Lenders must also disclose all fees clearly in the Loan Estimate.

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