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Find Mortgage Refinance Companies in Brookings, SD

Directory of mortgage refinance companies in Brookings, South Dakota. Verify credentials with the state mortgage licensing authority before hiring.

5 agents listed
Updated May 2026
Brookings, SD
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 South Dakota before hiring.
Showing 5 mortgage refinance companies in Brookings, SD Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Brookings, SD - Mortgage Lender | Fairway Home Mortgage
311 3rd St, Brookings, SD 57006
6059061020
First Bank & Trust | Brookings, SD – Downtown
520 6th St, Brookings, SD 57006
8008431552
Justin Froiland at Rate (NMLS #956715)
212 5th Ave #4, Brookings, SD 57006
6056951429
First Interstate Bank
1302 6th St, Brookings, SD 57006
6056927100
Rate
212 5th Ave #4, Brookings, SD 57006
6056951429

Mortgage refinance companies in Brookings South Dakota help homeowners lower their interest rates or change loan terms. South Dakota law requires lenders to provide a clear loan estimate within three business days of application. Local companies understand the Brookings real estate market and can guide you through the refinance process.

What Does a Mortgage Refinance Company in Brookings Cost?

Typical costs for a mortgage refinance in South Dakota include an application fee of 300 to 500 dollars, an appraisal fee of 400 to 600 dollars, and origination fees of 0.5 to 1 percent of the loan amount. Closing costs usually range from 2 to 5 percent of the refinance amount. These costs vary by lender and loan type. 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 Brookings?
You typically need pay stubs, tax returns, bank statements, and proof of homeowners insurance. South Dakota lenders also require a property appraisal to confirm your home value.
How long does a mortgage refinance take in South Dakota?
A typical refinance in South Dakota takes 30 to 45 days from application to closing. Delays can occur if additional documentation is needed or if the appraisal takes longer.