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Find Mortgage Refinance Companies Near You in Royse City, TX
Browse mortgage refinance companies serving Royse City, Texas. Contact information and addresses listed below.
3 agents listed
Updated May 2026
Royse City, 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 3 mortgage refinance companies in Royse City, 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.
Guaranty Bank & Trust
121 I-30, Royse City, TX 75189
9726369777
American National Bank of Texas
123 I-30, Royse City, TX 75189
9726362485
Mortgage lender Royse City TX
9896 Co Rd 2440, Royse City, TX 75189
9726940876
A mortgage refinance company in Royse City Texas helps homeowners lower their rate or change loan terms. Texas law under Section 50(a)(6) of the Texas Constitution limits cash-out refinances to 80% of the home value. Local lenders in Royse City understand these rules and can guide you through the process.
What Does a Mortgage Refinance Company in Royse City Cost?
Typical costs for a mortgage refinance in Texas include an appraisal fee of $400 to $700, title insurance of $1,000 to $2,500, and lender origination fees of 0.5% to 1% of the loan amount. Closing costs usually range from 2% to 5% of the loan value. These costs vary by lender and loan type. 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 homestead equity refinance rule?
Texas law allows cash-out refinancing only up to 80% of your home appraised value. You must wait 12 months after buying the home before getting a cash-out refinance. The lender must provide a special homestead disclosure.
How long does a mortgage refinance take in Royse City?
A typical refinance in Texas takes 30 to 45 days from application to closing. Delays can occur if the appraisal or title work takes longer. Your lender will give you a timeline estimate.
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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.