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Compare mortgage refinance companies in Hugo. Review contact information and insurance categorys before you decide.
4 agents listed
Updated May 2026
Hugo, MN
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 Minnesota before hiring.
Showing 4 mortgage refinance companies in Hugo, MN
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Heartland Credit Union
14727 Victor Hugo Blvd, Hugo, MN 55038
8008139185
Heartland Home Loans
13433 Fenway Blvd Ct N, Hugo, MN 55038
6516539191
Chad Brune
5712 157th Cir N, Hugo, MN 55038
6513384523
Steve Miller - M&M Mortgage LLC
1910 Rehbein St, Hugo, MN 55038
6516004789
Mortgage refinance companies in Hugo, Minnesota help homeowners lower their interest rates or change loan terms. Minnesota law requires lenders to follow specific disclosure rules under state statute 47.206. Local companies understand the unique housing market in Washington County and can guide you through the refinance process.
What Does a Mortgage Refinance Company in Hugo Cost?
Typical costs for a mortgage refinance in Minnesota include an appraisal fee of $400 to $600, origination fees of 0.5% to 1% of the loan amount, and title insurance of $500 to $1,000. The state mortgage registration tax is 0.23% of the new loan amount. Closing costs generally range from 2% to 5% 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 Hugo?
You typically need pay stubs, tax returns, bank statements, and a recent home appraisal. Minnesota lenders also require a signed disclosure form under state law. Having these ready can speed up the process.
How long does a mortgage refinance take in Minnesota?
A standard refinance in Minnesota usually takes 30 to 45 days from application to closing. Delays can occur if your home appraisal or title search takes longer. Local Hugo lenders may offer faster timelines for straightforward cases.
Are there any Minnesota-specific fees for refinancing?
Minnesota charges a mortgage registration tax of 0.23% of the loan amount for refinances. You may also pay recording fees and state deed tax. These costs are in addition to typical lender fees and third-party charges.
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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 Minnesota.