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Find Mortgage Refinance Companies in Charlotte, NC
Looking for a mortgage refinance company in Charlotte? Review the directory below to compare your options.
20 agents listed
Updated May 2026
Charlotte, NC
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 North Carolina before hiring.
Showing 20 mortgage refinance companies in Charlotte, NC
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
8832 Blakeney Professional Dr # 102, Charlotte, NC 28277
7045411172
Leverage Lending Group
216 N McDowell St # 200, Charlotte, NC 28204
7046319276
Lennar Mortgage, LLC Charlotte
11605 N Community House Rd Suite 400A, Charlotte, NC 28277
7046441459
PrimeLending, A PlainsCapital Company - Charlotte
6100 Fairview Rd Suite 550, Offices 31-33, Charlotte, NC 28210
9802455680
Reliance First Capital, LLC. NMLS ID # 58775
11605 N Community House Rd #200, Charlotte, NC 28277
8669701550
Motivation Mortgage
9140 Arrowpoint Blvd Suite 130, Charlotte, NC 28273
7047460300
1st Advantage Mortgage
128 S Tryon St Suite 1933, Charlotte, NC 28202
7043438681
DHL Mortgage
529 W Summit Ave #2a, Charlotte, NC 28203
7049307830
Heather Aucello
125 Floyd Smith Office Park Dr, Charlotte, NC 28262
7048064624
HomeSimply
3540 Toringdon Way Suite 200, Charlotte, NC 28277
7044988893
Mutual of Omaha Mortgage
525 N Tryon St Suite 1600, Office 1637, Charlotte, NC 28202
9133939532
Highlands Residential Mortgage
6000 Fairview Rd #625, Charlotte, NC 28210
7043667711
CrossCountry Mortgage, LLC
1230 W Morehead St STE 108, Charlotte, NC 28208
7046044020
Mecklenburg Mortgage
828 East Blvd #301, Charlotte, NC 28203
7044129131
Foundation Home Loans
4320 Carmel Rd, Charlotte, NC 28226
8337133133
Noso Funding LLC
10700 Sikes Pl #330, Charlotte, NC 28277
9802623833
Mortgage refinance companies in Charlotte North Carolina help homeowners lower their interest rate or change loan terms. North Carolina law requires lenders to provide a Good Faith Estimate of closing costs within three business days of application. Local companies understand Mecklenburg County property values and can guide you through the refinance process.
What Does a Mortgage Refinance Company in Charlotte Cost?
Typical costs for a mortgage refinance in North Carolina range from 2 to 5 percent of the loan amount. This includes an appraisal fee of 400 to 700 dollars, title search and insurance of 500 to 1,000 dollars, and lender origination fees. Closing costs in Charlotte average around 3,000 to 5,000 dollars for a standard loan. 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 is the typical timeline for a mortgage refinance in Charlotte?
A standard refinance in North Carolina takes 30 to 45 days from application to closing. Delays can occur if an appraisal or title search is needed. Your lender will provide a timeline estimate after reviewing your application.
Are there North Carolina specific rules for refinancing a mortgage?
Yes, North Carolina law limits prepayment penalties on most residential mortgages. Lenders must also disclose the Annual Percentage Rate and total finance charges before closing. These rules protect borrowers under the North Carolina Consumer Finance Act.
What documents do I need to refinance in Charlotte North Carolina?
You typically need pay stubs, tax returns, bank statements, and a photo ID. North Carolina lenders may also require proof of homeowners insurance. Your refinance company will give you a full list based on your loan type.
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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 North Carolina.