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Find Mortgage Refinance Companies Near You in Ames, IA

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

13 agents listed
Updated June 2026
Ames, IA
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 Iowa before hiring.
Showing 13 mortgage refinance companies in Ames, IA Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Global State Mortgage a division of American Pacific Mortgage
1606 S Duff Ave UNIT 300, Ames, IA 50010
(515) 233-5046 globalstatemortgage.com
Premier Credit Union
520 Grand Ave, Ames, IA 50010
(515) 282-1611 premiercu.org
Guild Mortgage Company
1103 Buckeye Ave Suite 103, Ames, IA 50010
(515) 598-5626 branches.guildmortgage.com
Guild Mortgage - Jayme Kupka
1103 Buckeye Ave Suite 103, Ames, IA 50010
(515) 598-5626 branches.guildmortgage.com
Inlanta Mortgage - The Kupka Mortgage Team
1103 Buckeye Ave Suite 103, Ames, IA 50010
(515) 598-5626 kupkateam.com
Beau Christiansen - 985215 - Wells Fargo Home Mortgage
424 Main St, Ames, IA 50010
(515) 357-6353 homeloans.wellsfargo.com
Guild Mortgage - Jason Kupka
1103 Buckeye Ave Suite 103, Ames, IA 50010
(515) 598-5626 branches.guildmortgage.com
Susan M Hansen - 400181 - Wells Fargo Home Mortgage
424 Main St, Ames, IA 50010
(515) 233-7131 homeloans.wellsfargo.com
Hard Money Lenders Ames IA
426 5th St, Ames, IA 50010
(515) 346-8024
Commercial Lending Ames IA
1103 Buckeye Ave, Ames, IA 50010
(515) 599-9032
US Bank Mortgage
2540 Lincoln Way, Ames, IA 50014
(515) 239-3618 usbank.com
US Bank Mortgage
405 Main St, Ames, IA 50010
(800) 872-2657 usbank.com
U.S. Bank-Mortgage Loan Officer-Matt Julich
405 Main St, Ames, IA 50010
(515) 239-3618 mortgage.usbank.com

A mortgage refinance company in Ames, Iowa helps homeowners lower their interest rate or change loan terms. Iowa law requires lenders to provide a Loan Estimate within three business days of application. Local companies understand Story County property values and can guide you through the process.

What Does a Mortgage Refinance Company in Ames Cost?

Typical costs for a mortgage refinance in Iowa include an application fee of $250 to $500, an appraisal fee of $400 to $700, and closing costs of 2% to 5% of the loan amount. Title insurance and recording fees add $500 to $1,500. These 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 documents do I need to refinance a mortgage in Ames Iowa?
You typically need pay stubs, tax returns, bank statements, and a photo ID. Iowa lenders also require a property appraisal and proof of homeowners insurance.
How long does a mortgage refinance take in Iowa?
The process usually takes 30 to 45 days from application to closing. Iowa law allows a three-day rescission period after signing for most refinances.
Are there Iowa specific rules for refinancing a mortgage?
Yes. Iowa Code section 535C requires lenders to be licensed and disclose annual percentage rates clearly. Iowa also has a 1% per month limit on prepayment penalties for some loans.

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