Mortgage Lenders in Harlingen, TX
Directory of mortgage lenders in Harlingen, Texas. Verify credentials with the state state mortgage licensing authority before hiring.
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
State Mortgage Licensing Authority of Texas before hiring.
Showing 20 mortgage lenders in Harlingen, 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.
Mortgage lenders in Harlingen Texas help home buyers and homeowners secure financing for property purchases and refinancing. Texas law requires specific disclosures and a 12-day right of rescission for most refinances. Local lenders understand the Rio Grande Valley market and can guide you through Texas-specific requirements like the homestead exemption.
What Does a Mortgage Lender in Harlingen Cost?
Typical costs for a mortgage in Texas include an origination fee of 0.5% to 1% of the loan amount, an appraisal fee of $400 to $700, and title insurance which can cost $1,500 to $3,000. Closing costs in Texas generally range from 2% to 5% of the purchase price. These costs vary by lender and loan type. 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 apply for a mortgage in Harlingen Texas?
You will need proof of income such as recent pay stubs and tax returns, bank statements, and a valid government ID. Texas lenders also require a property appraisal and title search. Self-employed borrowers may need additional business documents.
How long does the mortgage process take in Texas?
The typical mortgage process in Texas takes 30 to 45 days from application to closing. Texas law requires a three-day waiting period after you receive the Closing Disclosure. Delays can occur if the property has title issues or if an appraisal is needed.