ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Compare mortgage refinance companies in Royal Oak. Review contact information and insurance categorys before you decide.
18 agents listed
Updated May 2026
Royal Oak, 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 18 mortgage refinance companies in Royal Oak, 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.
Clear2 Mortgage
219 S Main St Ste 111, Royal Oak, MI 48067
2489700040
Genisys Credit Union
530 N Main St, Royal Oak, MI 48067
2482681557
Jason Bock - NMLS 713743, Branch Manager, First Community Mortgage
415 S West St #300, Royal Oak, MI 48067
2489787989
Mortgage City
1007 E 6th St, Royal Oak, MI 48067
2489308709
Guidance Residential LLC
418 N Main St Suite 221, Royal Oak, MI 48067
5866305655
Omega Lending Group
115 S Main St #300, Royal Oak, MI 48067
2485988000
HomePal
303 W 4th St, Royal Oak, MI 48067
2489284992
Atlas Property Lending
309 S Main St, Royal Oak, MI 48067
2487392140
Fortress Home Mortgage, Inc.
1336 S Main St, Royal Oak, MI 48067
2485429158
Best Life Mortgage LLC
928 E 11 Mile Rd, Royal Oak, MI 48067
5865312751
Drift Financial
209 W 6th St suite 200a, Royal Oak, MI 48067
8883385504
Own Mortgage
916 S Main St Suite 200, Royal Oak, MI 48067
7347486953
Myrina Mortgage Group LLC
1012 Cedar Hill Dr, Royal Oak, MI 48067
2489803604
Ross Mortgage Corporation
27862 Woodward Ave, Royal Oak, MI 48067
2485474700
Jason Kanaan - Clear2 Mortgage
219 S Main St, Royal Oak, MI 48067
2485792776
Vet Loan Mortgage Service
230 Dewey St, Royal Oak, MI 48067
2482776060
Independent Mortgage Corporation
1106 Wyandotte Ave, Royal Oak, MI 48067
2488724987
Asset Mutual Mortgage
25600 Woodward Ave Suite #200, Royal Oak, MI 48067
5863371233
A mortgage refinance company in Royal Oak Michigan helps homeowners lower their interest rate or change loan terms. Michigan law requires lenders to provide a Loan Estimate within three business days of application. Local companies understand Oakland County property values and can guide you through the process.
What Does a Mortgage Refinance Company in Royal Oak Cost?
Typical costs for refinancing in Michigan include an origination fee of 0.5 to 1.5 percent of the loan amount, appraisal fees of 400 to 700 dollars, and title insurance of 500 to 1,000 dollars. Michigan also charges a state transfer tax of 0.11 percent. Total closing costs often range from 2,000 to 5,000 dollars depending on loan size and lender. 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 timeline for refinancing a mortgage in Royal Oak Michigan?
The process usually takes 30 to 45 days from application to closing. Michigan law requires a three day right of rescission after signing for most refinances. Delays can occur if an appraisal or title work takes longer.
Do Michigan refinance companies require a home appraisal?
Most lenders require an appraisal to confirm the home value. In Michigan, appraisals must follow Uniform Standards of Professional Appraisal Practice. The cost is typically between 400 and 700 dollars.
Are there Michigan specific fees for refinancing a mortgage?
Yes, Michigan charges a state transfer tax of 0.11 percent of the loan amount for refinances. Recording fees in Oakland County are about 30 to 50 dollars. Other costs include origination fees and title insurance.
Free • No Obligation
Compare Mortgage Refinance Companies
Get matched with agents in Royal Oak who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
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 Michigan.