or

By signing in, I accept the Rebuildetroit.com Terms of Use.

Agent Registration

Find Your Agent Profile

Agent Registration

Southfield, Oakland County

Mortgage Refinance in Southfield, MI

Compare lenders who handle mortgage refinance in Southfield, see what the job includes, and get free quotes in minutes.

Mortgage Refinance in Oakland County
  • Free, no obligation
  • Pros from neighboring cities
  • Paid spots always labelled

Protected by reCAPTCHA. Google Privacy Policy and Terms apply.

Get mortgage refinance quotes

Add your ZIP and we will route your request to lenders serving Southfield.
Free to use. Your details go to Rebuild Detroit and the pros you choose.

Rebuild Detroit is not a lender or mortgage broker, does not make credit decisions or quote rates, and information here is general, not financial advice.

Free for homeowners: no fees to compare or request quotes
Compare side by side: verification status on every profile
One request goes to the local pros you choose
Local to Southfield: pros who serve your area

Mortgage Refinance in Southfield

Get matched with lenders serving Southfield

Tell us what you need. We route one free request to lenders who cover Southfield and nearby cities, and you choose who to hire.

Are you a mortgage lender in Southfield?

Be the first mortgage lender listed here. Claim a free profile, or get Verified for $30/month and receive the requests from this page.

Get listed here
The job

What mortgage refinance usually includes

  • Review of your current loan, rate, balance and goals
  • Break-even analysis of costs against savings
  • A Loan Estimate within three business days of your application
  • Appraisal, unless a streamline or waiver applies
  • Title work and payoff of the existing mortgage
  • A Closing Disclosure at least three business days before closing
  • Right to cancel on most refinances of your primary home
Price

What drives the cost of mortgage refinance in Southfield

  • Credit score and debt-to-income ratio
  • Current equity and loan-to-value
  • New loan term and fixed or adjustable rate
  • Points paid to lower the rate
  • Program: conventional, FHA streamline or VA IRRRL
  • Appraisal, title and recording charges
  • Whether closing costs are paid upfront or rolled in
  • The age of the home: the typical Southfield home was built around 1969, so older materials, lead-safe rules and hidden damage can add time

Before you hire in Southfield

Lead-safe work rules apply to most homes

The typical home in Southfield was built around 1969. Painting, window, siding and remodeling work that disturbs paint in homes built before 1978 must follow the EPA lead-safe (RRP) rule. Ask any contractor for their RRP certification before work starts.

Mid-century and newer systems

Most homes here date from 1969 or later. Original furnaces, water heaters and roofs from that era are well past their service life, so replacement planning matters more than repair.

Permits: check with the Southfield building department before work starts.

Compare quotes

How to compare mortgage refinance quotes

  • Request Loan Estimates from your current lender and two others.
  • Compare the rate, points and total closing costs.
  • Calculate how many months it takes to break even.
  • Watch for a longer term that lowers the payment but raises total interest.
  • Check each lender on NMLS Consumer Access.

Other mortgage lender services in Southfield

Mortgage Refinance near Southfield

Mortgage Refinance in Southfield: FAQ

When the savings over the time you will keep the loan are larger than the closing costs, or when you need to change the loan type or remove a borrower.
Credit score, loan-to-value, debt-to-income, loan type, term and points. Rebuild Detroit does not quote rates; only a lender can price your loan.
Often yes. The FHA streamline and the VA IRRRL are designed for existing FHA and VA borrowers. A lender can confirm eligibility.
Compare the pros on this page, starting with verified and claimed profiles, or send one free request and it goes to pros who serve Southfield.
It depends on the scope. Ask the Southfield building department, and expect a licensed contractor to pull any permit the job needs.

Get mortgage refinance quotes in Southfield

Free, fast and local. Tell us about the job and pros who serve Southfield reach out.

2026 lists

The 2026 list

For mortgage lenders: be one of 5 on the Best Mortgage Lenders for Mortgage Refinance in Southfield of 2026 list5 of 5 spots left
Call (855) 780-3248