Find Mortgage Refinance Companies Near You in Garland, TX
Directory of mortgage refinance companies in Garland, 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 15 mortgage refinance companies in Garland, TX
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Mortgage refinance companies in Garland, Texas help homeowners adjust their loan terms or lower their interest rates. Texas has specific homestead laws under Section 50(a)(6) of the Texas Constitution that limit cash-out refinances to 80% of the home value. These companies guide Garland residents through the refinance process while ensuring compliance with state regulations.
What Does a Mortgage Refinance Company in Garland Cost?
Typical costs for a mortgage refinance in Garland, Texas include an appraisal fee of $400 to $700, title insurance of $1,000 to $2,500, and origination fees of 0.5% to 1% of the loan amount. Closing costs generally range from 2% to 5% of the loan value. These costs vary by lender and loan type. 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 is a cash-out refinance in Texas?
A cash-out refinance lets you take equity from your home as cash. In Texas, this type of refinance is limited to 80% of the home value under the Texas Constitution. You must also wait 12 months after your previous refinance to apply.
How long does a mortgage refinance take in Garland?
A typical refinance in Texas takes 30 to 45 days from application to closing. Delays can occur if the property appraisal or title work takes longer. Texas law requires a 3-day right of rescission after closing.
Do I need a home appraisal for refinancing in Texas?
Most refinance loans in Texas require a home appraisal to confirm the property value. The appraisal cost is usually paid by the borrower. Some streamline programs may waive the appraisal if you meet certain conditions.