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Directory of mortgage refinance companies in Somerset, Kentucky. Verify credentials with the state mortgage licensing authority before hiring.
15 agents listed
Updated May 2026
Somerset, KY
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 Kentucky before hiring.
Showing 15 mortgage refinance companies in Somerset, KY
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Eagle Finance
650 N Main St Suite 216, Somerset, KY 42501
6066760899
Heights Finance
604 Ogden St Ste 102, Somerset, KY 42501
6066787521
Michael Abbott-Mortgage Loan Originator-Citizens National Bank--Local Lake Cumberland - NMLS 2035068- Equal Housing Lender
44 Public Square, Somerset, KY 42501
6062789387
First Financial Credit
675 Monticello St Suite 2, Somerset, KY 42501
6066769600
Mariner Finance
2835 S Hwy 27 Ste. 186, Somerset, KY 42501
6064510602
OneMain Financial
650 S Hwy 27 #4, Somerset, KY 42501
6066799348
Republic State Mortgage
650 S Hwy 27 #4, Somerset, KY 42501
6063411143
Lendmark Financial Services LLC
3786 S Hwy 27, Somerset, KY 42501
6066787171
New American Funding - Amanda Bolin
5877 S Hwy 27 suite a, Somerset, KY 42501
6062548335
Kyle Ball Mortgage Loan Officer @ Republic State Mortgage Company
5877 S Hwy 27, Somerset, KY 42501
6062193323
Farm Credit Mid-America
2211 KY-914, Somerset, KY 42503
6066794311
First Century Lending
120 S Hwy 27 #2, Somerset, KY 42501
6066782231
New American Funding - Somerset
5877 S Hwy 27 suite a, Somerset, KY 42501
6067272162
Benchmark Mortgage
110 Richie Ln suite a, Somerset, KY 42503
6064510803
Bank of England Mortgage
5877 S Hwy 27, Somerset, KY 42501
6068752912
A mortgage refinance company in Somerset, Kentucky helps homeowners lower their interest rate, change loan terms, or access home equity. Kentucky law requires all mortgage loan originators to be licensed through the Kentucky Department of Financial Institutions. Local refinance professionals understand the Pulaski County real estate market and can guide you through the process.
What Does a Mortgage Refinance Company in Somerset Cost?
Typical costs for a mortgage refinance in Somerset, Kentucky include an origination fee of 0.5% to 1% of the loan amount, an appraisal fee of $400 to $600, and title insurance costs around $800 to $1,200. Closing costs often total 2% to 5% 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 Somerset Kentucky?
You will typically need pay stubs, tax returns, bank statements, and a copy of your current mortgage. Kentucky lenders also require a property appraisal. Each lender may ask for additional documents based on your loan type.
How long does a mortgage refinance take in Kentucky?
A standard refinance in Kentucky usually takes 30 to 45 days from application to closing. Delays can occur if the appraisal is slow or if additional documentation is needed. Kentucky law does not set a specific time limit for the process.
Are there Kentucky specific rules for refinancing a mortgage?
Yes, Kentucky requires lenders to provide a Loan Estimate and a Closing Disclosure within specific time frames. The state also has anti-predatory lending laws that limit certain fees. You have a three day right of rescission after closing for most refinances.
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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 Kentucky.