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Compare Mortgage Refinance Companies in Sauk Rapids, MN
Browse mortgage refinance companies serving Sauk Rapids, Minnesota. Contact information and addresses listed below.
3 agents listed
Updated May 2026
Sauk Rapids, 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 3 mortgage refinance companies in Sauk Rapids, 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.
St. Cloud Financial Credit Union
205 2nd St N, Sauk Rapids, MN 56379
3202522634
Gate City Bank
In Coborn's, 110 1st St S, Sauk Rapids, MN 56379
3202271346
US Bank Mortgage
122 2nd Ave S, Sauk Rapids, MN 56379
8008722657
Mortgage refinance companies in Sauk Rapids, Minnesota help homeowners lower their interest rates or change loan terms. Minnesota law requires lenders to provide a clear Loan Estimate within three business days of application. Local refinance options include conventional, FHA, and VA loans tailored to Central Minnesota property values.
What Does a Mortgage Refinance Company in Sauk Rapids Cost?
Typical costs for a mortgage refinance in Minnesota include an origination fee of 0.5% to 1% of the loan amount, appraisal fees of 400 to 700 dollars, and title insurance of 500 to 1,000 dollars. Closing costs often total 2% to 5% of the loan principal. These figures vary by lender and property value. 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 to refinance in Sauk Rapids?
You typically need recent pay stubs, tax returns, bank statements, and a current mortgage statement. Minnesota lenders also require proof of homeowners insurance and a property appraisal.
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 an appraisal or title work takes longer than expected.
Are there Minnesota laws that protect me when refinancing?
Yes. Minnesota Statute 47.206 requires lenders to disclose all fees and terms before closing. You also have a three-day right to rescind the loan after signing for most refinances under federal law.
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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 Minnesota.