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Find Mortgage Refinance Companies Near You in Clayton, OH
Directory of mortgage refinance companies in Clayton, Ohio. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Clayton, OH
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 Ohio before hiring.
Showing 2 mortgage refinance companies in Clayton, OH
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Eagle Loan
500 W National Rd, Clayton, OH 45315
9378361400
OneMain Financial
7702 Hoke Rd, Clayton, OH 45315
9378321623
Mortgage refinance companies in Clayton Ohio help homeowners lower their interest rates or change loan terms. Ohio law requires lenders to follow specific disclosure rules under the Ohio Mortgage Loan Act. Local Clayton companies can guide you through the process and explain state requirements.
What Does a Mortgage Refinance Company in Clayton Cost?
Typical costs for a mortgage refinance in Ohio include an origination fee of 0.5% to 1% of the loan amount, an appraisal fee between $300 and $600, and title insurance costing $500 to $1,000. Closing costs in Ohio generally range from 2% to 5% of the loan principal. These amounts can vary based on your 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 for a mortgage refinance in Clayton Ohio?
You typically need pay stubs, tax returns, bank statements, and a home appraisal. Ohio lenders may also ask for proof of homeowners insurance. Requirements vary by lender and loan type.
How long does a mortgage refinance take in Ohio?
A standard refinance in Ohio usually takes 30 to 45 days from application to closing. Delays can occur if the appraisal or title search takes longer. Ohio law does not set a specific time limit for the process.
Are there Ohio laws that protect me when refinancing my mortgage?
Yes, Ohio Revised Code Chapter 1321 covers mortgage lending and refinancing. It requires lenders to provide clear loan estimates and prohibits unfair practices. You also have a three day right of rescission for most refinances under federal law.
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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 Ohio.