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Directory of mortgage refinance companies in St John, Indiana. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
St John, IN
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 Indiana before hiring.
Showing 2 mortgage refinance companies in St John, IN
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Michelle Jacinto of Direct Mortgage Loans
8227 Wicker Ave, St John, IN 46373
2199245554
Gina M. DeCicco
8227 Wicker Ave, St John, IN 46373
2193080936
Mortgage refinance companies in St John Indiana help homeowners lower their interest rate or change loan terms. Indiana follows federal lending rules and requires clear disclosure of fees under state law. Local lenders in St John understand the Lake County housing market and can guide you through the process.
What Does a Mortgage Refinance Company in St John Cost?
Typical costs for a mortgage refinance in Indiana include an origination fee of 0.5% to 1% of the loan amount, an appraisal fee of $400 to $600, and title insurance of $500 to $1,000. Closing costs often total 2% to 5% of the loan principal. These amounts can vary based on your lender and property 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 St John Indiana?
You usually need pay stubs, tax returns, bank statements, and proof of homeowners insurance. Indiana lenders may also ask for a property appraisal. Requirements vary by lender and loan type.
How long does a mortgage refinance take in Indiana?
A typical refinance in Indiana takes 30 to 45 days from application to closing. Delays can happen if the appraisal or under review takes longer. Indiana law does not set a specific time limit for refinancing.
Are there Indiana specific rules for mortgage refinancing?
Indiana follows federal Truth in Lending Act rules and requires lenders to provide a Loan Estimate within three business days. Indiana also has a three day right of rescission for most refinances. This gives you time to cancel without penalty.
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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 Indiana.