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 Missouri before hiring.
Showing 6 mortgage refinance companies in Smithville, MO
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Central Bank
302 W Main St, Smithville, MO 64089
8165255300
Todd Nitsche - COUNTRY Financial Representative
112 N Bridge St, Smithville, MO 64089
8164079326
Central Bank
1603 US-169, Smithville, MO 64089
8165255300
Nodaway Valley Bank
14402 US-169, Smithville, MO 64089
8168732929
Travis Boyer - Nodaway Valley Bank
14402 US-169, Smithville, MO 64089
8168732929
Keri Rotterman Nodaway Valley Bank
14402 US-169, Smithville, MO 64089
8168732929
What Does a Mortgage Refinance Company in Smithville Cost?
Typical costs for a mortgage refinance in Missouri include an origination fee of 0.5 to 1.0 percent of the loan amount, an appraisal fee of 400 to 700 dollars, and title insurance of 500 to 1,000 dollars. Missouri recording fees add about 0.20 percent of the loan amount. Total closing costs often range from 2 to 5 percent of the loan principal. 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 in Smithville Missouri?
You typically need pay stubs, tax returns, bank statements, and a photo ID. Missouri lenders also require a property appraisal to confirm your home value. The exact list depends on your loan type and lender requirements.
How long does a mortgage refinance take in Missouri?
A standard refinance in Missouri usually takes 30 to 45 days from application to closing. Delays can occur if the appraisal or title search takes longer. Your lender will provide a timeline estimate after reviewing your application.
Are there Missouri specific fees for refinancing?
Missouri charges a state mortgage recording fee which is typically 0.20 percent of the loan amount. You may also pay local recording fees in Clay County. Other common fees include origination fees and title insurance costs.