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Compare mortgage refinance companies in Southgate. Review contact information and insurance categorys before you decide.
6 agents listed
Updated May 2026
Southgate, 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 6 mortgage refinance companies in Southgate, 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
1 Heritage Pl, Southgate, MI 48195
3135985119
KS Mortgage Group
15755 Northline Rd, Southgate, MI 48195
3136035626
PNC Mortgage
14951 Dix Toledo Rd, Southgate, MI 48195
7342815406
Liberty Mortgage Financial LLC
12377 Longtin St Suite 1, Southgate, MI 48195
7343537370
John Adams Mortgage Company
1 Heritage Dr STE 240, Southgate, MI 48195
7342821035
Jarvis & Associates Mortgage & Realty, Llc
13136 Veronica St, Southgate, MI 48195
7342580503
Mortgage refinance companies in Southgate Michigan help homeowners lower their interest rate or change loan terms. Michigan law requires lenders to provide a Loan Estimate within three business days of receiving a complete application. Local Southgate residents often refinance to take advantage of lower rates or to switch from an adjustable-rate to a fixed-rate mortgage.
What Does a Mortgage Refinance Company in Southgate Cost?
Typical costs for a mortgage refinance in Michigan include an origination fee of 0.5% to 1% of the loan amount, an appraisal fee of $400 to $700, and title insurance of $500 to $1,000. Closing costs generally total 2% to 5% of the loan principal. For a $200,000 loan, that means $4,000 to $10,000 in fees. 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 Southgate Michigan?
You typically need recent pay stubs, tax returns, bank statements, and a valid ID. Michigan lenders also require a property appraisal to confirm the home value.
How long does a mortgage refinance take in Michigan?
A standard refinance in Michigan 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 Michigan specific rules for refinancing a home?
Yes. Michigan has a 3-day right of rescission for most refinances, meaning you can cancel the loan within three business days after signing. Also, Michigan law requires lenders to disclose all fees clearly in the Loan Estimate.
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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.