Find Mortgage Refinance Companies in Houston, TX
Directory of mortgage refinance companies in Houston, 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 refinance companies in Houston, 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.
A mortgage refinance company in Houston Texas helps homeowners lower their interest rate or change loan terms. Texas law has specific rules for home equity refinancing including a 80 percent loan-to-value limit. Many Houston lenders also offer rate-and-term refinancing for primary and investment properties.
What Does a Mortgage Refinance Company in Houston Cost?
Typical costs for a mortgage refinance in Texas include an origination fee of 0.5 to 1.0 percent of the loan amount, appraisal fees from 400 to 700 dollars, and title insurance fees that vary by county. In Houston, closing costs often total 2 to 5 percent of the loan amount. 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 the Texas home equity cash out limit?
Texas law limits cash out refinancing to 80 percent of the home value. This applies to primary residences only. You must also wait 12 months after the previous loan closing.
How long does a Texas refinance take to close?
A standard mortgage refinance in Houston usually takes 30 to 45 days. Texas home equity loans require a 12 day rescission period after signing. This can extend the timeline.
Do I need a survey or title policy for refinancing in Texas?
Most Texas refinance lenders require a new title policy and often a survey. The cost of the title policy is usually part of the closing fees. Some lenders may waive the survey if one is on file.