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.
Directory of mortgage refinance companies in Troy, Ohio. Verify credentials with the state mortgage licensing authority before hiring.
15 agents listed
Updated May 2026
Troy, 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 15 mortgage refinance companies in Troy, 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.
Mariner Finance
1870 W Main St, Troy, OH 45373
9377039381
PrimeLending, A PlainsCapital Company - Troy OH
1855 Towne Park Dr B, Troy, OH 45373
9374013394
Joe Vichich at Rate (NMLS #1420737)
224 S Market St suite c, Troy, OH 45373
9373066934
Union Savings Bank
14 S Weston Rd, Troy, OH 45373
9373354199
Minster Bank
1280 Experiment Farm Rd, Troy, OH 45373
9373399388
Union Home Mortgage
1001 S Dorset Rd # B, Troy, OH 45373
9373684330
loanDepot
2351 W Main St, Troy, OH 45373
9377537050
Joe Vichich, Movement Mortgage
224 S Market St suite c, Troy, OH 45373
9372395679
Fifth Third Mortgage - Chris Losey
1851 W Main St, Troy, OH 45373
9375249948
Chase Mortgage
1011 W Main St, Troy, OH 45373
9373396802
US Bank Mortgage
910 W Main St, Troy, OH 45373
8008722657
Jennifer Denson Caliber Home Loans
210 S Market St suite b, Troy, OH 45373
9378750217
Allison Cruea-U.S. Bank Mortgage
910 W Main St, Troy, OH 45373
9373328310
Western Ohio Mortgage Corp.
225 E Main St, Troy, OH 45373
9375522820
Rate
224 S Market St suite c, Troy, OH 45373
6147960811
Mortgage refinance companies in Troy, Ohio help homeowners lower their interest rates or change loan terms. Ohio law requires lenders to provide a Loan Estimate within three business days of application. Local companies understand the Miami County real estate market and can guide you through the refinance process.
What Does a Mortgage Refinance Company in Troy Cost?
Typical costs for a mortgage refinance in Ohio include an origination fee of 0.5% to 1% of the loan amount, appraisal fees of $300 to $500, and title insurance of $500 to $1,000. Closing costs generally range from 2% to 5% of the loan principal. These amounts vary by lender and property value. This is general information, 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 Troy Ohio?
You typically need pay stubs, tax returns, bank statements, and a photo ID. Ohio lenders also require proof of homeowners insurance and a property appraisal. Each lender may ask for additional documents based on your financial situation.
How long does a mortgage refinance take in Ohio?
A standard refinance in Ohio usually takes 30 to 45 days from application to closing. Ohio law gives you a three day right of rescission after signing, during which you can cancel without penalty. Delays can occur if the appraisal or title search takes longer.
Are there Ohio specific rules for refinancing a mortgage?
Yes, Ohio requires lenders to disclose all fees in a Loan Estimate within three business days. Ohio also has laws against predatory lending, including limits on prepayment penalties. You have the right to a free credit report annually under federal law.
Free • No Obligation
Compare Mortgage Refinance Companies
Get matched with agents in Troy 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 Ohio.