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Compare Mortgage Refinance Companies in Santa Fe, TX
Compare mortgage refinance companies in Santa Fe. Review contact information and insurance categorys before you decide.
2 agents listed
Updated May 2026
Santa Fe, 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 2 mortgage refinance companies in Santa Fe, 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.
Openland Credit Union - Santa Fe
11934 FM1764, Santa Fe, TX 77510
2814793441
Saint Charles Mortgage LLC
13810 Coyote Run, Santa Fe, TX 77517
4099257710
Mortgage refinance companies in Santa Fe Texas help homeowners lower their interest rates or change loan terms. Texas has specific laws under Section 50 of the Texas Constitution that limit cash-out refinances to 80 percent of a homes value. Local lenders in Santa Fe understand Galveston County property values and can guide you through the process.
What Does a Mortgage Refinance Company in Santa Fe Cost?
Typical costs for a mortgage refinance in Texas include an origination fee of 0.5 to 1.5 percent of the loan amount, an appraisal fee of 400 to 700 dollars, and title insurance costs of 1,000 to 2,000 dollars. Closing costs in Texas 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 a cash-out refinance in Texas?
A cash-out refinance lets you borrow more than you owe and receive the difference in cash. Texas law limits cash-out loans to 80 percent of the homes appraised value. You must also wait 12 months after purchasing the home to do a cash-out refinance.
How long does a Texas refinance take to close?
A typical refinance in Texas takes 30 to 45 days from application to closing. Texas law requires a 3-day rescission period after signing the loan documents. Delays can happen if the appraisal or title work takes longer.
Do I need a home appraisal for a refinance in Santa Fe?
Most lenders require a new appraisal to determine your homes current value. The appraisal cost in Texas is usually between 400 and 700 dollars. Some streamline programs may waive the appraisal if you meet certain conditions.
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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.