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Compare Mortgage Refinance Companies in Bay City, MI
Compare mortgage refinance companies in Bay City. Review contact information and insurance categorys before you decide.
11 agents listed
Updated May 2026
Bay City, MI
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 Michigan before hiring.
Showing 11 mortgage refinance companies in Bay City, MI
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Total Home Lending - Bay City
1901 S Euclid Ave Suite 6, Bay City, MI 48706
9896712701
Sheila Schmidt - Total Home Lending
1901 S Euclid Ave, Bay City, MI 48706
9897808401
Heppner Team - Total Home Lending
1901 S Euclid Ave #6, Bay City, MI 48706
9899286229
Top Flite Financial Inc
4773 2 Mile Rd, Bay City, MI 48706
9894503901
Trevor Hahn-Guild Mortgage
401 Center Ave Suite 2, Bay City, MI 48708
9892841269
Pierpoint Mortgage Bay City, MI
4300 Wheeler Rd, Bay City, MI 48706
9896565098
Guild Mortgage - Justin Holyszko
201 6th St Unit 207, Bay City, MI 48708
9892450373
Hantz Financial Services, Inc. - Bay City, Michigan
115 First St, Bay City, MI 48708
9896849813
PNC Mortgage
610 Lafayette Ave, Bay City, MI 48708
9898949344
PNC Mortgage
1111 N Euclid Ave, Bay City, MI 48706
9898949356
Independent Mortgage Co
800 Washington Ave, Bay City, MI 48708
9896716000
A mortgage refinance company in Bay City Michigan helps homeowners replace their existing home loan with a new one. Michigan law requires lenders to provide a Loan Estimate within three business days of application. Bay City residents often refinance to lower their interest rate or switch from an adjustable to a fixed rate mortgage.
What Does a Mortgage Refinance Company in Bay City Cost?
Typical costs for a mortgage refinance in Michigan range from 2 percent to 5 percent of the loan amount. For a 150,000 dollar loan, this means 3,000 to 7,500 dollars in fees. Costs include an appraisal fee of 400 to 600 dollars, title search fees, and lender origination charges. Michigan law does not cap these fees, so compare multiple lenders. 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 Bay City Michigan?
You will need pay stubs, tax returns, bank statements, and proof of homeowners insurance. Michigan lenders also require a property appraisal. Gather these documents before you apply to speed up the process.
How long does a mortgage refinance take in Michigan?
A typical refinance in Michigan takes 30 to 45 days from application to closing. Michigan law gives you a three day right of rescission after signing. This means you can cancel the loan for any reason within three business days.
Can I refinance a mortgage with bad credit in Bay City?
Yes, some lenders offer refinance options for borrowers with lower credit scores. Michigan does not have a minimum credit score requirement by law. However, a lower score may result in a higher interest rate or require mortgage insurance.
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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 Michigan.