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Looking for a mortgage refinance company in Winona? Review the directory below to compare your options.
6 agents listed
Updated May 2026
Winona, 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 6 mortgage refinance companies in Winona, 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.
Bell Bank Mortgage, Heather Larsen
902 E 2nd St Suite 211, Winona, MN 55987
5074596416
Merchants Bank
102 E 3rd St, Winona, MN 55987
5074571100
Wells Fargo Home Mortgage - Bridget Schoonover
125 Main St, Winona, MN 55987
5072505447
Patrick Smock Loan Officer
840 Mankato Ave Suite B, Winona, MN 55987
5074943026
Wells Fargo Home Mortgage - Amie Kruger
875 34th Ave, Winona, MN 55987
5072055894
Latonia Schmitt, Mortgage Loan Officer
1491 W Broadway St, Winona, MN 55987
5074949308
Mortgage refinance companies in Winona Minnesota help homeowners lower their interest rates or change loan terms. Minnesota law requires lenders to provide a Loan Estimate within three business days of application. Local Winona lenders understand the Mississippi River valley housing market and can guide you through the refinance process.
What Does a Mortgage Refinance Company in Winona Cost?
Typical costs for a mortgage refinance in Minnesota range from 2 to 5 percent of the loan amount. Common fees include an origination fee of 0.5 to 1 percent appraisal fees of 400 to 700 dollars and title insurance of 500 to 1 000 dollars. Closing costs in Winona may also include recording fees of about 50 to 100 dollars. 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 a mortgage in Winona Minnesota?
You typically need pay stubs tax returns bank statements and a photo ID. Minnesota lenders may also require proof of homeowners insurance. The exact list depends on your loan type and lender.
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 happen if an appraisal or title work is needed. Your lender will give you a timeline at the start.
Are there Minnesota specific rules for refinancing a mortgage?
Yes Minnesota requires lenders to disclose all fees and terms clearly under state law. There is no statutory right to cancel a refinance after closing in Minnesota unless you have a federal right of rescission. Always review the Loan Estimate carefully.
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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.