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 Alcoa, Tennessee. Verify credentials with the state mortgage licensing authority before hiring.
5 agents listed
Updated May 2026
Alcoa, TN
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 Tennessee before hiring.
Showing 5 mortgage refinance companies in Alcoa, TN
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
The Loren Riddick Team
219 Gill St, Alcoa, TN 37701
8652334871
OneMain Financial
204 S Calderwood St J, Alcoa, TN 37701
8659833884
Peoples Home Equity
219 Gill St, Alcoa, TN 37701
8652334871
Tennessee Home Mortgage
445 Marilyn Ln, Alcoa, TN 37701
8659845350
Mortgage Investors Group
219 Corporate Pl, Alcoa, TN 37701
8654706245
Mortgage refinance companies in Alcoa Tennessee help homeowners lower their interest rates or change loan terms. Tennessee law requires lenders to provide a clear disclosure of all fees and terms before closing. Local companies understand the Alcoa real estate market and can guide you through the refinance process step by step.
What Does a Mortgage Refinance Company in Alcoa Cost?
Typical costs for refinancing a mortgage in Tennessee include an origination fee of 0.5 to 1 percent of the loan amount, appraisal fees of 400 to 700 dollars, and title insurance costs of 500 to 1,200 dollars. Closing costs generally range from 2 to 5 percent 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 Alcoa Tennessee?
You typically need recent pay stubs, tax returns, bank statements, and proof of homeowners insurance. Tennessee lenders also require a property appraisal to confirm the home value. Gather these items before applying to speed up the process.
How long does a mortgage refinance take in Tennessee?
A standard refinance in Tennessee usually takes 30 to 45 days from application to closing. Delays can happen if the appraisal is slow or if additional documents are needed. Your lender will provide a timeline estimate at the start.
Are there Tennessee specific laws about refinance fees?
Yes Tennessee law limits certain prepayment penalties on conventional loans. Lenders must also follow the Tennessee Residential Lending Act which requires clear fee disclosures. Always review the Loan Estimate form for any unexpected charges.
Free • No Obligation
Compare Mortgage Refinance Companies
Get matched with agents in Alcoa 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 Tennessee.