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Find Mortgage Refinance Companies Near You in Council Bluffs, IA
Compare mortgage refinance companies in Council Bluffs. Review contact information and insurance categorys before you decide.
15 agents listed
Updated May 2026
Council Bluffs, 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 Iowa before hiring.
Showing 15 mortgage refinance companies in Council Bluffs, 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.
Jennifer Coyle - Flat Branch Home Loans
900 Woodbury Ave #7d, Council Bluffs, IA 51503
4026898034
NEO Home Loans : Dylan Dravland
215 W Broadway, Council Bluffs, IA 51503
4026815511
Guild Mortgage - Erin Trescott
149 W Broadway, Council Bluffs, IA 51503
4029812011
Nicki Montelongo - NEO Home Loans
215 W Broadway, Council Bluffs, IA 51503
4023075827
CharterWest Bank Mortgage Center-Council Bluffs, IA
900 Woodbury Ave #2b, Council Bluffs, IA 51503
7127962700
OneMain Financial
255 W Broadway, Council Bluffs, IA 51503
7123237105
Joe Stephens
215 S Main St Ste 307, Council Bluffs, IA 51503
7124354175
Town Financial
1920 Rue St #9, Council Bluffs, IA 51503
7125242424
Lori Brokman
215 S Main St Ste 307, Council Bluffs, IA 51503
7124354176
Guild Mortgage Company
149 W Broadway, Council Bluffs, IA 51503
4023154549
Flat Branch Home Loans
900 Woodbury Ave #7d, Council Bluffs, IA 51503
7124351600
US Bank Mortgage
350 34th Ave, Council Bluffs, IA 51501
8008722657
Sherry Neubaum-U.S. Bank Mortgage
421 W Broadway, Council Bluffs, IA 51503
7123252993
US Bank Home Mortgages
421 W Broadway, Council Bluffs, IA 51503
7123252993
CMG Financial Mortgage
215 S Main St Ste 306, Council Bluffs, IA 51503
7124354176
A mortgage refinance company in Council Bluffs Iowa helps homeowners replace their current home loan with a new one. These companies guide you through the process, from application to closing. Iowa law requires lenders to provide a Loan Estimate within three business days of receiving your application, giving you clear details on terms and costs.
What Does a Mortgage Refinance Company in Council Bluffs Cost?
Typical costs for a mortgage refinance in Council Bluffs Iowa include an origination fee of 0.5% to 1% of the loan amount, an appraisal fee of 400 to 600 dollars, and title insurance costs of 500 to 1,000 dollars. Iowa also imposes a mortgage recording tax of 0.10% of the new loan principal. Total closing costs often range from 2% to 5% of the loan amount. 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 is the typical time frame to refinance a mortgage in Council Bluffs?
A standard mortgage refinance in Council Bluffs usually takes 30 to 45 days from application to closing. Delays can happen if an appraisal is needed or if documents are missing. Iowa does not have a specific state law that sets a maximum time limit for refinancing.
Do I need a home appraisal to refinance in Iowa?
Most lenders in Iowa require a home appraisal for a refinance to confirm the property value. However, some government-backed loans like FHA streamline refinances may not need a new appraisal. Check with your mortgage refinance company to see if an appraisal is required for your loan type.
Are there Iowa-specific fees for refinancing a mortgage?
Iowa charges a mortgage recording tax on the new loan amount, which is typically 0.10% of the loan principal. Additionally, you may pay title search fees, origination fees, and appraisal costs. These fees vary by lender and loan type.
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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 Iowa.