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Find Mortgage Refinance Companies in Harlingen, TX
Directory of mortgage refinance companies in Harlingen, Texas. Verify credentials with the state mortgage licensing authority before hiring.
19 agents listed
Updated May 2026
Harlingen, 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 19 mortgage refinance companies 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.
Janie Hernandez - The Unity Group powered by Eustis Mortgage
Mortgage refinance companies in Harlingen Texas help homeowners lower their interest rate or change loan terms. Texas law has specific rules for cash-out refinances including a 80% loan-to-value limit under Section 50(a)(6) of the Texas Constitution. Local lenders understand the Rio Grande Valley housing market and can guide you through the process.
What Does a Mortgage Refinance Company in Harlingen Cost?
Typical costs for a mortgage refinance in Texas include an origination fee of 0.5% to 1% of the loan amount, an appraisal fee of $400 to $600, and title insurance which can be $1,000 to $2,000. Closing costs usually total 2% to 5% of the loan amount. 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 is a Texas cash-out refinance rule?
Texas law limits cash-out refinances to 80% of the home value. You must wait 12 months after your previous loan closing to do a cash-out refinance. This rule is in the Texas Constitution.
How long does a mortgage refinance take in Harlingen?
A typical refinance takes 30 to 45 days from application to closing. Delays can happen if your property appraisal or title work takes longer. Your lender will give you a timeline estimate.
Do I need a home appraisal to refinance in Texas?
Yes most lenders require a new appraisal to confirm your home value. This is needed for all cash-out refinances and for rate-and-term refinances in many cases. The appraisal cost is usually paid at application.
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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.