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Directory of mortgage lenders in Cross Roads, Texas. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Cross Roads, TX
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 Texas before hiring.
Showing 2 mortgage lenders in Cross Roads, TX
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Efinity Mortgage
8300 US-380 #400, Cross Roads, TX 76227
9729542620
Team Texas at Efinity Mortgage
8300 US-380, Cross Roads, TX 76227
9729789791
Mortgage lenders in Cross Roads Texas help homebuyers and homeowners secure financing for property purchases and refinancing. Texas law requires a specific homestead exemption and limits cash-out refinancing to 80 percent of the home value. Local lenders understand the Cross Roads real estate market and can guide you through the Texas-specific loan process.
What Does a Mortgage Lender in Cross Roads Cost?
Typical costs for a mortgage lender in Texas include an origination fee of 0.5 to 1 percent of the loan amount appraisal fees from 400 to 700 dollars and title insurance which can cost 1,000 to 2,500 dollars. Closing costs generally range from 2 to 5 percent of the purchase price. Costs vary by loan type property value and lender. 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 for a mortgage loan in Cross Roads Texas?
You typically need pay stubs W-2 forms tax returns bank statements and a valid ID. Texas lenders also require a property appraisal and title search to verify ownership.
How long does the mortgage process take in Texas?
The process usually takes 30 to 45 days from application to closing. Texas law requires a three-day right of rescission for refinances which adds to the timeline.
Are there special mortgage programs for Texas residents?
Yes the Texas Department of Housing and Community Affairs offers down payment assistance programs. First-time homebuyers may qualify for lower interest rates and reduced closing costs.
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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 Texas.