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Find Mortgage Refinance Companies Near You in Gardner, MA
Browse mortgage refinance companies serving Gardner, Massachusetts. Contact information and addresses listed below.
2 agents listed
Updated May 2026
Gardner, MA
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 Massachusetts before hiring.
Showing 2 mortgage refinance companies in Gardner, MA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
GFA Federal Credit Union
229 Parker St, Gardner, MA 01440
9786322542
Jerry Capone - Mortgage Loan Officer
90 Pearson Blvd, Gardner, MA 01440
9785024088
A mortgage refinance company in Gardner, Massachusetts helps homeowners replace their existing home loan with a new one. Massachusetts law requires lenders to provide a Good Faith Estimate of closing costs within three business days of application. Local companies can guide you through state-specific rules, such as the Massachusetts right of rescission which allows three days to cancel after signing.
What Does a Mortgage Refinance Company in Gardner Cost?
Typical costs for a mortgage refinance in Massachusetts include an origination fee of 0.5 to 1 percent of the loan amount, an appraisal fee of $400 to $700, and title insurance costing $500 to $1,000. Closing costs generally range from 2 to 5 percent of the loan principal. 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 for a mortgage refinance in Gardner?
You will typically need pay stubs, tax returns, bank statements, and proof of homeowners insurance. Massachusetts lenders may also require a property appraisal and a copy of your current mortgage note.
How long does a mortgage refinance take in Massachusetts?
A standard refinance in Massachusetts usually takes 30 to 45 days from application to closing. Delays can occur if the property appraisal or title search takes longer than expected.
Are there Massachusetts tax benefits for refinancing my mortgage?
Massachusetts allows a deduction for mortgage interest on refinanced loans up to $750,000 of principal, similar to federal rules. Consult a tax professional for details on your specific situation.
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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 Massachusetts.