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Directory of mortgage refinance companies in Oak Ridge, Tennessee. Verify credentials with the state mortgage licensing authority before hiring.
7 agents listed
Updated May 2026
Oak Ridge, 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 7 mortgage refinance companies in Oak Ridge, 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.
Enrichment Federal Credit Union - Oak Ridge Branch
201 S Illinois Ave, Oak Ridge, TN 37830
8654820045
Mortgage Investors Group
113 Lafayette Dr Building A, Suite 100, Oak Ridge, TN 37830
8654828910
OneMain Financial
1181 Oak Ridge Turnpike, Oak Ridge, TN 37830
8654822414
Lorie Wilson
113 Lafayette Dr, Oak Ridge, TN 37830
8658514382
Michelle Osborne, NMLS 683975
113 Lafayette Dr bldg a suite 100, Oak Ridge, TN 37830
4239128431
Shannon Ochiltree, NMLS 186419
113 Lafayette Dr Building A, Suite 100, Oak Ridge, TN 37830
8654828910
Wendy Thompson Team Oak Ridge Mortgage Brokers & Lending Company
100 E Tennessee Ave, Oak Ridge, TN 37830
8652058558
A mortgage refinance company in Oak Ridge Tennessee helps homeowners replace their existing home loan with a new one. Tennessee law does not require a specific waiting period to refinance, but lenders often require a six-month seasoning period after the original loan. Working with a local company can simplify the process and help you understand county recording fees and title requirements.
What Does a Mortgage Refinance Company in Oak Ridge Cost?
Typical costs for a mortgage refinance 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 of 500 to 1,000 dollars. Recording fees in Anderson County are usually around 50 to 100 dollars. These costs vary by lender and loan size. 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 Oak Ridge Tennessee?
You typically need recent pay stubs, tax returns, bank statements, and a valid ID. Tennessee lenders may also ask for proof of homeowners insurance and a property appraisal.
How long does a mortgage refinance take in Tennessee?
A standard refinance in Tennessee usually closes in 30 to 45 days. Delays can occur if the appraisal is slow or if title issues arise in the local county records office.
Are there Tennessee laws that affect mortgage refinancing?
Tennessee has a usury limit of 24 percent annual interest for most loans. Also, Tennessee is a non-judicial foreclosure state, which can affect refinance terms if you have a prior default.
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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.