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Compare Mortgage Refinance Companies in Gardner, KS
Looking for a mortgage refinance company in Gardner? Review the directory below to compare your options.
3 agents listed
Updated May 2026
Gardner, KS
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 Kansas before hiring.
Showing 3 mortgage refinance companies in Gardner, KS
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Central Bank
109 E Main St, Gardner, KS 66030
9136484540
Central National Bank Mortgage Services Office
205 N Moonlight Rd, Gardner, KS 66030
9138563218
Kelly Mortgage
235 E Main St, Gardner, KS 66030
9138563816
Mortgage refinance companies in Gardner, Kansas help homeowners lower their interest rates or change loan terms. Kansas law requires all mortgage loan originators to be licensed through the Kansas Office of the State Bank Commissioner. Local lenders understand Johnson County property values and can guide you through the refinance process.
What Does a Mortgage Refinance Company in Gardner Cost?
Typical costs for a mortgage refinance in Kansas include an appraisal fee of 400 to 700 dollars, loan origination fees of 0.5 to 1 percent of the loan amount, and title insurance costs around 500 to 1,000 dollars. Closing costs in Johnson County often total 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 Gardner Kansas?
You typically need recent pay stubs, tax returns, bank statements, and proof of homeowners insurance. Kansas lenders also require a property appraisal to confirm your homes current value.
How long does a mortgage refinance take in Kansas?
A standard refinance in Kansas usually takes 30 to 45 days from application to closing. Delays can occur if the appraisal or title work takes longer than expected.
Are there Kansas specific laws that affect mortgage refinancing?
Yes, Kansas has a three day right of rescission for most refinances on your primary home. This means you can cancel the loan within three business days after signing 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 Kansas.