Compare Mortgage Refinance Companies in Southlake, TX
Directory of mortgage refinance companies in Southlake, 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 19 mortgage refinance companies in Southlake, 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 Southlake Texas help homeowners lower their rate or access equity. Texas law has specific rules for cash-out refinances, including a 80 percent loan-to-value cap on homestead properties. These companies guide you through the process and ensure compliance with state regulations.
What Does a Mortgage Refinance Company in Southlake Cost?
Typical costs for a mortgage refinance in Southlake Texas range from 2 to 5 percent of the loan amount. This includes appraisal fees of 400 to 700 dollars, title insurance, and lender origination fees. Texas also charges a state mortgage tax of 0.50 per 100 dollars on the loan amount. Costs vary by case 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 rule for refinancing?
Texas law limits cash-out refinances to 80 percent of your homes value. You must also wait 12 months after your last refinance to do another cash-out. This rule protects homeowners from over-leveraging.
How long does a refinance take in Southlake Texas?
A typical refinance in Texas takes 30 to 45 days from application to closing. The timeline can vary based on appraisal availability and your lenders workload. Texas requires a 3-day rescission period after signing.
Do I need a survey for a refinance in Southlake?
Texas law does not always require a new survey for a rate-and-term refinance. However, a cash-out refinance often needs a survey or title insurance update. Your lender will tell you what is needed for your specific loan.