Mortgage Refinance Companies in Kenmore, WA
Compare mortgage refinance companies in Kenmore. Review contact information and insurance categorys before you decide.
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State Mortgage Licensing Authority of Washington before hiring.
Showing 3 mortgage refinance companies in Kenmore, WA
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Mortgage refinance companies in Kenmore, Washington help homeowners lower their interest rate, change loan terms, or access home equity. Washington state law requires lenders to follow specific disclosure rules under the Consumer Loan Act (RCW 31.04). Kenmore residents often refinance to take advantage of competitive rates in the Seattle metro area.
What Does a Mortgage Refinance Company in Kenmore Cost?
Typical costs for refinancing in Kenmore include an appraisal fee of $400 to $700, loan origination fees of 0.5% to 1% of the loan amount, and title insurance costing $800 to $1,500. Washington state recording fees add about $50 to $150. Closing costs generally total 2% to 5% of the loan principal. 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 in Kenmore Washington?
You typically need pay stubs, tax returns, bank statements, and a property appraisal. Washington lenders also require a signed good faith estimate and truth in lending disclosure within three business days of application.
How long does a mortgage refinance take in Washington state?
A standard refinance in Washington usually takes 30 to 45 days from application to closing. Delays can occur if the appraisal or title work takes longer. State law does not set a specific time limit, but lenders must provide timely updates.
Are there Washington state taxes on refinancing a home?
Washington does not charge a state income tax, but refinancing may trigger a mortgage recording tax. This tax is typically 0.1% to 0.2% of the loan amount, paid at closing. Some counties in Washington also charge a local recording fee.