Find Mortgage Refinance Companies in Katy, TX
Directory of mortgage refinance companies in Katy, 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 Katy, 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 Katy Texas helps homeowners lower their rate or change loan terms. Texas law has specific rules for cash-out refinances including a 80 percent loan-to-value limit on homestead property. Local companies understand the Katy real estate market and can guide you through the process.
What Does a Mortgage Refinance Company in Katy Cost?
Typical costs for a mortgage refinance in Texas include an origination fee of 0.5 to 1.5 percent of the loan amount, appraisal fees from 400 to 700 dollars, and title insurance costs around 1,500 dollars. Closing costs in Katy generally range from 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 rule for refinance?
Texas law limits cash-out refinances to 80 percent of the home value. You must wait 12 months after the previous cash-out refinance to apply again. This rule protects homeowners from over borrowing.
How long does a mortgage refinance take in Katy Texas?
A typical refinance in Texas takes 30 to 45 days from application to closing. Texas requires a 12 day right of rescission period for home equity loans. Delays can happen if appraisal or title work takes longer.