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Directory of mortgage refinance companies in Clayton, North Carolina. Verify credentials with the state mortgage licensing authority before hiring.
11 agents listed
Updated May 2026
Clayton, 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 11 mortgage refinance companies in Clayton, 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.
Cornerstone Home Lending
336 E Main St, Clayton, NC 27520
9195502519
Fairway Independent Mortgage Corporation
632 Pinecroft Dr, Clayton, NC 27520
9198793040
Don Waters | Fairway Independent Mortgage Corporation Area Manager
632 Pinecroft Dr, Clayton, NC 27520
9197955622
Rob Yo The Mortgage Pro
421 E Main St Suite 101, Clayton, NC 27520
9193228201
Clayton Group - American Security Mortgage NMLS 40561
Karen Elaine White | Fairway Independent Mortgage Corporation Loan Officer
632 Pinecroft Dr, Clayton, NC 27520
9198793056
Motto Mortgage Quality
218 E Main St Suite 223, Clayton, NC 27520
9193528938
Shawna Clark - Mortgage Advisor - NMLS 1796866
481 E Main St, Clayton, NC 27520
7077241234
PNC Mortgage
11861 Clayton Blvd, Clayton, NC 27520
9195502260
Clayton homeowners can work with a mortgage refinance company to adjust their loan terms or lower their interest rate. North Carolina law requires all mortgage lenders and brokers to be licensed through the North Carolina Commissioner of Banks. Local refinance options in Clayton can help you take advantage of current rates or switch from an adjustable to a fixed rate mortgage.
What Does a Mortgage Refinance Company in Clayton Cost?
Typical costs for a mortgage refinance in North Carolina include an origination fee of 0.5% to 1% of the loan amount, an appraisal fee of $400 to $700, and title insurance costs around $500 to $1,000. Closing costs generally total 2% to 5% of the loan principal. These amounts vary by lender and property value. 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 a mortgage in Clayton North Carolina?
You will typically need recent pay stubs, tax returns, bank statements, and a valid ID. North Carolina law also requires a property appraisal to confirm the home value. Your lender will provide a full list based on your specific loan type.
How long does a mortgage refinance take in North Carolina?
A typical refinance in North Carolina takes 30 to 45 days from application to closing. This timeline can vary based on the lender workload and the appraisal schedule. North Carolina does not have a specific state law that sets a maximum time limit for the process.
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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.