ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Browse mortgage refinance companies serving Davidson, North Carolina. Contact information and addresses listed below.
4 agents listed
Updated May 2026
Davidson, 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 4 mortgage refinance companies in Davidson, 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.
Future Home Loans Carolinas
442 S Main St, Davidson, NC 28036
9044946000
States Mortgage Company
630 Davidson Gateway Dr STE 200, Davidson, NC 28036
7049876600
The Results Matter Team of Direct Mortgage Loans
630 Davidson Gateway Dr #150-E, Davidson, NC 28036
7042741082
The Mortgage Planner with Element Home Loans
400 N Harbor Pl Suite H, Davidson, NC 28036
7047280191
Davidson homeowners can work with a mortgage refinance company to lower their interest rate or change loan terms. In North Carolina, refinance lenders must follow state licensing rules under the North Carolina Secure and Fair Enforcement Mortgage Licensing Act. Local companies in Davidson understand the Mecklenburg County property market and can help with cash-out refinancing or rate-and-term changes.
What Does a Mortgage Refinance Company in Davidson Cost?
Typical costs for a mortgage refinance in North Carolina include an origination fee of 0.5% to 1% of the loan amount, plus appraisal fees of $400 to $700, and title insurance which can range from $500 to $1,000. North Carolina also imposes a recording tax of 0.10% and an intangibles tax of 0.15% on the new loan. Total closing costs often range from 2% to 5% 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 a mortgage in Davidson NC?
You typically need recent pay stubs, tax returns, bank statements, and proof of homeowners insurance. North Carolina law requires lenders to provide a Loan Estimate within three business days of your application.
How long does a mortgage refinance take in North Carolina?
A standard refinance in North Carolina usually takes 30 to 45 days from application to closing. Delays can happen if an appraisal is needed or if title issues arise in Mecklenburg County records.
Are there North Carolina specific fees for refinancing a mortgage?
Yes, North Carolina charges a mortgage recording tax of 0.10% of the loan amount for deeds of trust. You may also pay state intangibles tax on the note, which is 0.15% of the principal.
Free • No Obligation
Compare Mortgage Refinance Companies
Get matched with agents in Davidson who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
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.