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Find Mortgage Refinance Companies in Richardson, TX
Directory of mortgage refinance companies in Richardson, Texas. Verify credentials with the state state mortgage licensing authority before hiring.
13 agents listed
Updated June 2026
Richardson, 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 State Mortgage Licensing Authority of Texas before hiring.
Showing 13 mortgage refinance companies in Richardson, 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.
Mortgage refinance companies in Richardson Texas help homeowners lower their interest rates or access home equity. Texas law has specific rules for cash-out refinances including a 80 percent loan-to-value cap. Many Richardson lenders also assist with FHA and VA streamline refinances for eligible borrowers.
What Does a Mortgage Refinance Company in Richardson Cost?
Typical costs for a mortgage refinance in Richardson Texas include an origination fee of 0.5 to 1 percent of the loan amount, appraisal fees from 400 to 700 dollars, and title insurance which can be 1,000 to 2,500 dollars. Third-party costs like credit report fees and recording fees add 100 to 300 dollars. Texas law requires a homestead affidavit for owner-occupied properties which may cost 25 to 50 dollars. 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 for refinance?
Under Texas law a cash-out refinance cannot exceed 80 percent of the home value. This rule applies to primary residences only. The borrower must also wait 12 months after the previous cash-out refinance.
Do I need a new appraisal to refinance in Richardson Texas?
Most lenders require a new appraisal for a rate-and-term or cash-out refinance. The appraisal cost typically ranges from 400 to 700 dollars. Some streamline programs like FHA streamline may waive the appraisal.
Mortgage Refinance Companies in Other Texas Cities
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About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state 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 State Mortgage Licensing Authority of Texas.