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Find Mortgage Refinance Companies Near You in Waco, TX
Browse mortgage refinance companies serving Waco, Texas. Contact information and addresses listed below.
20 agents listed
Updated May 2026
Waco, 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 20 mortgage refinance companies in Waco, 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.
GENCO Federal Credit Union
731 N Valley Mills Dr, Waco, TX 76710
2547769550
Sun Loan Company
2401 W Waco Dr Ste B, Waco, TX 76707
2547530033
Robbie Hetland, SWBC Mortgage
601 Franklin Ave Ste. 4F, Waco, TX 76701
2543007348
The Jones Team - SWBC Mortgage
1508 N Valley Mills Dr, Waco, TX 76710
2546526370
Thrive Mortgage - Waco
510 Austin Ave Suite 25208, Waco, TX 76701
8772412701
Trent Miller, SWBC Mortgage - Loan Officer
601 Franklin Ave #4f, Waco, TX 76701
2543007349
SWBC Mortgage Waco - Main
500 N Valley Mills Dr Suite 213, Waco, TX 76710
2547419440
Benchmark Mortgage — Adam Goldenberg
5525 Speegleville Rd #104, Waco, TX 76712
2547232047
The Koehn Mortgage Group Powered by Coast2Coast Mortgage Lending
1600 Lake Air Dr, Waco, TX 76710
2544056690
AgTrust Farm Credit
13525 Sandalwood Dr, Waco, TX 76712
2547726905
Jonathon Roberts — Team Roberts at Fairway Home Mortgage
217 S 4th St Suite B & C, Waco, TX 76701
2544494338
Elsa Retana-Tindell
919 N Valley Mills Dr D, Waco, TX 76710
2547159645
Cory Smith - First State Bank Mortgage
719 N New Rd, Waco, TX 76710
2547238341
Kylie Glass Dixon
601 Franklin Ave #4f, Waco, TX 76701
8556657123
Anthony Collier- SWBC Mortgage
601 Lake Air Dr, Waco, TX 76710
2547163226
Sarah Jamar - Fairway Home Mortgage
217 S 4th St Suite B, Waco, TX 76701
3364136590
Julie Brinker, Mortgage
919 N Valley Mills Dr D, Waco, TX 76710
2546447581
SWBC Mortgage Waco - Valley Mills
1508 N Valley Mills Dr, Waco, TX 76710
2546526370
Welcome Mortgage
601 Lake Air Dr, Waco, TX 76710
2547099907
SWBC Mortgage Waco - Waco Drive
3701 W Waco Dr, Waco, TX 76710
2548551895
Mortgage refinance companies in Waco Texas help homeowners lower their interest rate or change loan terms. Texas law has specific rules for cash-out refinances, including a 80 percent loan-to-value limit on homestead property. Local lenders can guide you through the process and Texas-specific requirements.
What Does a Mortgage Refinance Company in Waco Cost?
Typical costs for a mortgage refinance in Texas include an origination fee of 0.5 to 1 percent of the loan amount, appraisal fees of 400 to 700 dollars, and title insurance costs around 1,500 to 2,500 dollars. Texas also charges a state mortgage tax of 0.25 percent on the loan amount. These costs vary by lender and property value. 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 rule for refinancing?
Texas law limits cash-out refinances on a homestead to 80 percent of the home value. This rule is part of the Texas Constitution and protects homeowners from over-borrowing.
How long does a Texas refinance typically take?
A standard refinance in Texas usually takes 30 to 45 days from application to closing. Cash-out refinances may take longer due to additional state-required waiting periods and paperwork.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
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.