Compare Mortgage Refinance Companies in Irving, TX
Compare mortgage refinance companies in Irving. Review contact information and insurance categorys before you decide.
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State Mortgage Licensing Authority of Texas before hiring.
Showing 11 mortgage refinance companies in Irving, TX
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Mortgage refinance companies in Irving, Texas help homeowners replace their existing home loan with a new one. Texas law has specific rules for refinancing, including a cap on fees and a three-day right of rescission after closing. These companies can assist with lowering your interest rate or changing your loan term.
What Does a Mortgage Refinance Company in Irving Cost?
Typical costs for mortgage refinancing in Texas include an appraisal fee of $400 to $600, title insurance of $1,000 to $2,000, and lender origination fees of 0.5% to 1% of the loan amount. You may also pay for a credit report, survey, and recording fees. Total closing costs often range from 2% to 5% of the loan amount. 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 the Texas home equity refinance rule?
Texas law limits home equity refinancing to 80% of the home value. You must also wait 12 months after your previous home equity loan to refinance. This rule is part of the Texas Constitution.
How long does a mortgage refinance take in Irving?
A typical refinance in Texas takes 30 to 45 days from application to closing. Delays can happen if the appraisal or title work takes longer. Your lender must provide a Loan Estimate within three business days.
Do I need a new appraisal for refinancing in Texas?
Yes, most lenders require a new appraisal to confirm your home value. The appraisal cost is typically paid by you at application. Texas law does not require a specific appraisal timeline, but it is standard practice.