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Browse mortgage refinance companies serving Murphy, Texas. Contact information and addresses listed below.
4 agents listed
Updated May 2026
Murphy, 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 4 mortgage refinance companies in Murphy, 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.
Geneva Financal LLC
318 FM 544 bldg d ste 4, Murphy, TX 75094
2143957630
Bank of America Home Mortgage
Murphy, TX 75094
9725097030
PNC Mortgage
108 S Murphy Rd, Murphy, TX 75094
9727056380
Chase Mortgage
206 FM 544, Murphy, TX 75094
9724243850
A mortgage refinance company in Murphy Texas helps homeowners lower their interest rate or change loan terms. Texas law has unique rules for cash-out refinances, including a 80% loan-to-value limit and a 12-day waiting period after closing. Local lenders in Murphy understand Collin County property values and can guide you through the process.
What Does a Mortgage Refinance Company in Murphy Cost?
Typical costs for a mortgage refinance in Texas include an appraisal fee of 400 to 600 dollars, title insurance of 1,000 to 2,000 dollars, and lender origination fees of 0.5% to 1% of the loan amount. Closing costs in Collin County often range from 3,000 to 6,000 dollars. These amounts vary by loan size and lender. 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 cash-out refinance rule?
Texas law limits cash-out refinances to 80% of the home value. You also must wait 12 days after closing to receive funds. This rule protects homeowners from over-borrowing.
How long does a mortgage refinance take in Murphy Texas?
A typical refinance in Texas takes 30 to 45 days from application to closing. Delays can occur if an appraisal or title work is needed. Local lenders in Murphy often process faster due to familiarity with Collin County.
What documents do I need for a refinance in Murphy?
You need recent pay stubs, tax returns, bank statements, and a photo ID. Texas also requires a homestead affidavit for primary residences. Your lender will provide a full checklist.
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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.