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Best Mortgage Refinance Companies in Allen, TX

Our Recommended Top 14

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Allen Mortgage Refinance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

65Reviewed

44Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1600 Redbud Blvd, 4th Floor, McKinney, TX 75069
WebsiteLicense: 1829341

Expertise.com Rating

Review Sources

Facebook
4.7 (105)
Google
4.4 (59)

Why choose this provider?

Global Integrity Finance is a real estate investment and private equity lender that serves residential and commercial clients in Allen and nearby areas. It offers mortgage refinancing services to get cash and reduce mortgage payments, allowing clients to increase their monthly cash flow and pay off loans faster. Global Integrity Finance provides loan programs for primary residences, long-term rentals, office buildings, medical officers, storage facilities, and motels. It has been in the industry for over 25 years.

  • Reverse Mortgages

5550 Granite Parkway Suite 200, Plano, TX 75024
WebsiteLicense: 513250

Expertise.com Rating

Review Sources

Google
5.0 (309)

Why choose this provider?

Mortgage Nerd Group attends to the home loan needs of residents in Allen and the surrounding communities. It caters to people with different goals and needs, including individuals looking to refinance loans to shorten mortgage terms, lower monthly payments, or cash out for home improvements. Its team also assists self-employed individuals and first-time homebuyers. Denise Donoghue, who is known as the "Mortgage Nerd," has been working in the field of financial banking since 2002. She was voted by D-Magazine as one of the state's top 1% producing mortgage specialists.

  • New Construction
  • Reverse Mortgages

1784 W McDermott Dr, Suite 110, Allen, TX 75013
WebsiteLicense: 1645977

Expertise.com Rating

Review Sources

Google
4.3 (38)

Why choose this provider?

East Capital Funding is an Allen-based mortgage broker catering to the refinancing goals of homeowners in the metro. Working with over 100 investors, its team of loan officers searches for refinancing options suited to each borrower's situation. The team assists homeowners in the processes of property appraisal, loan benefit analysis, income and asset verification, and paperwork submission. East Capital Funding represents a wide range of lenders, from A-rated companies to private hardship ones. It also carries VA or FHA streamline refinancing programs.

  • Reverse Mortgages

400 W Bethany Dr., Ste 130, Allen, TX 75013
WebsiteLicense: 396750

Expertise.com Rating

Review Sources

Google
5.0 (34)
Facebook
4.7 (9)

Why choose this provider?

Mortgage X-Change is an Allen-based lender catering to the homeownership goals of the community in the metro. Its loan officers guide clients in navigating changing market conditions and home financing programs, shopping for options, and finding lower rates. They create mortgage solutions for those planning to buy their first residences, build their dream homes, and refinance existing loans. The company has been operating since 2007 and offers products such as conventional, FHA, VA, and USDA mortgages.

  • New Construction

700 Central Expressway S., Ste. 400, Allen, TX 75013
WebsiteLicense: 1047944

Expertise.com Rating

Review Sources

Google
4.8 (50)

Why choose this provider?

Competitive Home Lending serves families and individuals in Allen and nearby locations. It helps clients secure residential property purchases by providing refinancing services to lower monthly payments and alter loan duration agreements based on spending power. It also helps new buyers find real estate that fit their needs and financial capabilities. The company is composed of mortgage industry veterans with over three decades of combined experience. Its loan officer is licensed in both Texas and Colorado.

  • New Construction
  • Reverse Mortgages

229 S. 9th Street, Midlothian, TX 76065
WebsiteLicense: 317299

Expertise.com Rating

Review Sources

Google
5.0 (26)
Facebook
5.0 (9)
Yelp
5.0 (1)

Why choose this provider?

Mid America Mortgage SW provides refinancing that lowers the interest rates of homeowners and home buyers throughout Texas, including Allen. The locally owned and operated brokerage offers various mortgage options, including jumbo, conventional, and home equity lines of credit, as well as VA and FHA loans. It works with more than 100 investors, providing it with the ability to meet clients' interest rate needs and financial circumstances. The brokerage serves clients whose situations call for full documentation, no documentation, or non-owner-occupied loans.

  • New Construction
  • Reverse Mortgages

4400 TX 121 Ste. 205, Lewisville, TX 75056
WebsiteLicense: 1820200

Expertise.com Rating

Review Sources

Facebook
5.0 (15)

Why choose this provider?

Texas VA Mortgage is a veteran-focused home lending firm that serves clients in Allen and the surrounding areas. It helps qualified veterans or service members achieve their goals, whether they want to purchase or refinance a home. The firm's mortgage specialists assist clients in determining their loan eligibility and options and advise them about the requirements and process. Dan Ali, the CEO and loan officer of Texas VA Mortgage, has over 17 years of industry experience as a loan originator.

  • New Construction
  • Reverse Mortgages

1002 Raintree Circle Suite 100, Allen, TX 75013
WebsiteLicense: 303719

Expertise.com Rating

Review Sources

Facebook
5.0 (34)
Google
5.0 (11)
Yelp
5.0 (3)

Why choose this provider?

American Mortgage Company strives to meet the refinancing goals of homeowners in the Allen metro. Its loan professionals assist borrowers in evaluating their financial portfolio and weigh the benefits of getting a refinance to cash out or secure lower rates. They find refinancing programs appropriate for each borrower's needs. The company's team of professionals includes a Certified Military Home Specialist who guides eligible homebuyers in applying for loans. It has been in business since 1992.

  • New Construction

1020 W. Exchange Parkway Ste. 1130, Allen, TX 75013
WebsiteLicense: 194713

Expertise.com Rating

Review Sources

Facebook
4.9 (56)
Yelp
5.0 (9)
Google
3.0 (2)

Why choose this provider?

The Patton Group assists Allen homeowners in obtaining favorable loan rates and terms through refinancing. It provides refinance loans that enable homeowners to take advantage of lower interest rates, shorten or lengthen their loan terms, or switch to a fixed-rate mortgage for the predictability. FHA, VA, Jumbo, USDA, and first-time homebuyer loans are also available. Since 1999, the company has been in the mortgage industry. The Patton Group was named a Top 15 Lender in Retail Volume by Scotsman Guide for 2021.

  • New Construction
  • Reverse Mortgages

6860 North Dallas Parkway Suite 200, Plano, TX 75024
WebsiteLicense: 143236

Expertise.com Rating

Review Sources

Google
4.2 (5)

Why choose this provider?

Bryan Brush is the branch manager of Nations Lending in Plano, who extends his services to borrowers in Allen and the surrounding areas. He helps homeowners ease the burden of paying high mortgage rates through refinancing solutions that bring down the amount and overall interest of their existing mortgages. Nations Lending was founded by CEO Jeremy Spoko and company president Bill Osborne in 2003. It has helped more than 50,000 families achieve and maintain homeownership through various loan and refinancing programs.

  • New Construction

3520 Ashley Gardens, The Colony, TX 75056
WebsiteLicense: 1823711

Expertise.com Rating

Review Sources

Google
5.0 (36)

Why choose this provider?

APS Mortgage caters to homeowners and homebuyers in Allen. The company provides a variety of refinance options, including conforming, FHA, VA, and USDA loans to help customers alter their mortgage terms and reduce monthly payments. It also offers cash-out solutions from home equity and assists local borrowers in securing mortgage loan applications through property evaluation and rate comparison. Clients can use the company's online tools to determine their purchasing power and browse homes that are up for sale.

  • New Construction

6100 Preston Road, Frisco, TX 75034
WebsiteLicense: 119417

Expertise.com Rating

Review Sources

Google
5.0 (44)

Why choose this provider?

The Decker Group is a team of mortgage professionals who helps homeowners in Allen who are considering mortgage refinancing. Representing First United Bank Mortgage, they recommend the FHA Streamline Refinance program, a refinancing option requiring less documentation, to borrowers with existing FHA loans. They also provide a number of home finance options, including FHA, VA, jumbo, and construction loans. The group is led by Kelly Decker, who has helped over 1,000 families purchase their own homes.

  • Reverse Mortgages

5220 Spring Valley Road Suite 602, Dallas, TX 75254
WebsiteLicense: 370420

Expertise.com Rating

Review Sources

Yelp
5.0 (5)

Why choose this provider?

Reliance Mortgage Company helps Allen residents with simple to complex refinancing goals. It uses a number of strategies to aid mortgage borrowers in the process of finding, applying, and qualifying for refinancing programs. Its staff assists clients in deciding on the right products suited to their needs. Founder Mike Anderson established the company in 1989 and has implemented loans ranging from $11,500,000 to $35,000. He has also hosted CBS Radio's Reliance Mortgage Real Estate Hour for 16 years.

  • Reverse Mortgages

6136 Frisco Square Blvd., Suite 400, Frisco, TX 75034
WebsiteLicense: 1861536

Expertise.com Rating

Review Sources

Google
5.0 (7)

Why choose this provider?

Exponent Mortgage, LLC, serves clients throughout Allen and the neighboring areas. It provides a wide range of loan programs for mortgage refinancing and home purchases. It helps current homeowners select the right loan type that suits their needs and goals and get better loan rates and terms. It offers conventional, cashout, FHA and VA streamline, and jumbo mortgage loan refinancing options. The company has access to multiple lenders to provide clients with a broader selection of rates and loan types.

  • New Construction

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Global Integrity Finance
1600 Redbud Blvd, 4th Floor, McKinney, TX 75069
Mortgage Nerd Group
5550 Granite Parkway Suite 200, Plano, TX 75024
East Capital Funding
1784 W McDermott Dr, Suite 110, Allen, TX 75013
Mortgage X-Change
400 W Bethany Dr., Ste 130, Allen, TX 75013
Competitive Home Lending
700 Central Expressway S., Ste. 400, Allen, TX 75013
Mid America Mortgage SW
229 S. 9th Street, Midlothian, TX 76065
Texas VA Mortgage
4400 TX 121 Ste. 205, Lewisville, TX 75056
American Mortgage Company
1002 Raintree Circle Suite 100, Allen, TX 75013
The Patton Group
1020 W. Exchange Parkway Ste. 1130, Allen, TX 75013
Bryan Brush
6860 North Dallas Parkway Suite 200, Plano, TX 75024
APS Mortgage
3520 Ashley Gardens, The Colony, TX 75056
The Decker Group
6100 Preston Road, Frisco, TX 75034
Reliance Mortgage Company
5220 Spring Valley Road Suite 602, Dallas, TX 75254
Exponent Mortgage
6136 Frisco Square Blvd., Suite 400, Frisco, TX 75034

FAQs

  • Introduction

    Refinancing a mortgage can be a complicated process, and hiring a mortgage refinancing broker can make it simpler and faster. There are several things you can do to protect your interests and help your broker complete the process for you.

    Check a potential broker’s online reviews to find one with a good reputation. In addition to the opinions of past clients, check to see if a broker has an online portfolio, which can support the reviews you find from past clients to show a broker’s trustworthiness. This can also help you establish if a broker has handled financing for properties similar to yours.

    Get a written summary of a broker’s rates before committing so you know exactly what hiring your chosen mortgage refinance broker will cost. Find out which lenders work with your broker and what information they need to successfully refinance your mortgage.
  • Do state loan programs prevent Allen homeowners from refinancing?

    Most programs offered by the Texas State Affordable Housing Corporation are designed to deter borrowers in Allen from refinancing for a certain period of time. An example of this is the Home Sweet Texas Home Loan Program, which offers a zero-interest second mortgage that will be fully forgiven after three years if the borrower does not refinance.

  • Can Allen borrowers in forbearance still refinance?

    Borrowers in Allen who are in forbearance may still be allowed to refinance if their loans are backed by Fannie Mae or Freddie Mac and they are still making timely mortgage payments. Those with non-conforming loans who are in forbearance will likely not be able to refinance until their deferred balances have been repaid.

  • Do Allen refinancers have to get their homes appraised?

    Yes, since home appraisals are part of the refinancing process in Allen. A certified appraiser will be tasked with assessing the condition and worth of one’s home, so refinancers are advised to keep their homes as neat and clean as possible. While obvious issues such as structural or water damage negatively impact one’s home value, so may cosmetic issues such as clutter, dirt, and peeling paint.

  • What are the fees associated with Allenmortgage refinancing?

    Homeowners in Allen who wish to refinance their mortgages will have to pay for the costs of the application, loan origination, home appraisal, survey, title search and insurance, and attorney. They may also have to pay property taxes and prepayment penalties. In 2021, the average closing cost in Texas was $3,588.

  • How does an Allen no-cost refinance work?

    No-cost refinances in Allen provide lenders with credit to cover non-recurring closing costs such as title, escrow, appraisal, underwriting, and processing. In exchange, borrowers will take higher interest rates. However, it is important to note that no-cost refinances do not cover recurring closing costs such as interest, property taxes, and hazard insurance.

  • How do you refinance a mortgage?

    Decide why you’re refinancing, such as to get a lower interest rate, pay off your loan faster, or to get a lower monthly payment. Share your credit information with your broker along with information about the equity you have in your home. Review your mortgage refinance broker’s quotes and choose the best loan terms.