Expertise.com Homepage

2024

Last updated:

Best Mortgage Refinance Companies in Killeen, 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 Killeen 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.

87Reviewed

57Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

901 E. Central Texas Expy., Killeen, TX 76541
WebsiteLicense: 759248

Expertise.com Rating

Why choose this provider?

First Community Mortgage accommodates borrowers and property investors in the Killeen metro and nearby areas. The firm was founded in 1988 and is a constituent of the First National Bank Texas, which has been offering financial products since 1901. It provides a variety of loan programs for refinancing and purchases, including conventional and government downpayment assistance that matches clients' conditions and preferences. Loan options offered include VA, FHA, USDA, and Texas Veterans Housing Assistance Programs.

  • Reverse Mortgages
  • New Construction

4524 S W S Young Dr Ste 101, Killeen, TX 76542
WebsiteLicense: 120998

Expertise.com Rating

Review Sources

Google
3.9 (15)

Why choose this provider?

Leslie Lovett is the producing branch manager who processes refinancing loans at SWBC Mortgage for clients in Killeen. She helps homeowners plan their financial health by giving them options to consolidate debts, get lower monthly rates and shorter terms, or obtain cash from equity through refinancing options. She helps both first-time buyers and those who own multiple homes go through the loan process so that they can explore their options better. Leslie also processes FHA, conventional, and VA loans.

  • New Construction

3901 E Stan Schlueter Loop, Killeen, TX 76542
WebsiteLicense: 270778

Expertise.com Rating

Review Sources

Google
5.0 (90)
Facebook
5.0 (12)
Yelp
3.0 (2)

Why choose this provider?

Kathy Gaitan is a mortgage banker who serves clients throughout Killeen. She offers mortgage refinancing programs like conventional, jumbo, reverse mortgage, FHA, VA, and USDA loans. Kathy assists homeowners who want to adjust and lower their mortgage rates, consolidate their debts, and obtain a cashout for home improvement projects. She works with LeaderOne Financial Corporation, an employee-owned mortgage banking firm founded in 1992. It has been named among the Top 100 Mortgage Companies in America from 2015 to 2021 by Mortgage Executive.

  • New Construction
  • Reverse Mortgages

1202 Lakeway Drive, Suite 5B, Killeen, TX 78734
WebsiteLicense: 1752863

Expertise.com Rating

Review Sources

Google
4.5 (15)
Yelp
5.0 (1)

Why choose this provider?

Turbo Mortgage, LLC performs licensed loan origination services in Killeen and the entire state of Texas. The broker handles mortgage refinancing, offering rate-and-term, cash-out, and cash-in options. It also provides streamline refinance programs for homeowners with existing mortgages backed by FHA, VA, and USDA as well as HARP 2.0 and VA IRRRL. It offers mortgage solutions for self-employed, property investors, and foreign nationals. Turbo Mortgage, LLC founder Sam Trantham has been in the mortgage business for 20 years.

  • Multi-Family Loans

1717 N Mays St, Round Rock, TX 78664
WebsiteLicense: 269148

Expertise.com Rating

Review Sources

Google
4.6 (33)
Yelp
5.0 (13)
Facebook
5.0 (11)

Why choose this provider?

Austin Mortgage Associates is a full-service residential mortgage broker company that serves clients in the Killeen metro. It specializes in offering mortgage loans for residential property purchases and refinances. It is also available for refinancing services of investment properties, home equity, and cash-out. In addition, it is a certified divorce lending practice and provides financial strategies for divorcing clients and their attorneys. The company has been operating for over 20 years and has funded and closed more than half a billion mortgage loans.

  • Reverse Mortgages
  • New Construction

1302 W Stan Schlueter LP, Ste. 100, Killeen, TX 76549
WebsiteLicense: 1907

Expertise.com Rating

Review Sources

Google
4.6 (57)
Facebook
5.0 (26)
Yelp
5.0 (1)

Why choose this provider?

Veterans United of Killeen, TX is a locally owned and operated mortgage lender serving clients across the metro. Working with veterans, active military, and surviving spouses, the company specializes in VA loan programs for refinancing, real estate purchases, streamline IRRRL, cash-out equity, and EEM. It also helps clients throughout the lending process, from mortgage pre-approval to closing documentation. Its team has over six decades of combined mortgage industry experience and a shared compassion for assisting military personnel and their families.

801 S Main St., Georgetown, TX 78634
WebsiteLicense: 1410229

Expertise.com Rating

Review Sources

Google
5.0 (25)
Facebook
5.0 (8)

Why choose this provider?

Main Street Mortgage works with people in Killeen and nearby areas. It has experience assisting homeowners throughout the mortgage refinancing process, helping them with converting a portion of their property's equity into cash. It works on different mortgage programs, including loans guaranteed or insured by USDA and FHA. The firm also sets up conventional and super jumbo loans for clients looking to become homeowners. Through its website, it provides tools like payment calculators to guide individuals in their decision-making.

  • New Construction

3923 S. General Bruce Dr., Temple, TX 76502
WebsiteLicense: 308082

Expertise.com Rating

Review Sources

Facebook
4.8 (83)
Google
5.0 (2)
Yelp
1.0 (1)

Why choose this provider?

Fairway Independent Mortgage Corp. offers refinancing programs for residential property owners in Killeen. Its team of mortgage advisors, led by Brad Dragoo, assists borrowers in reviewing their current loans and assessing their best options. They help clients accomplish each step of the refinancing process, from property appraisal and qualification to closing transactions. Dragoo has been serving the needs of the community for over 20 years. In addition, the company also caters to residents in Kansas, Oregon, and Nebraska.

  • New Construction
  • Reverse Mortgages

2102 South W S Young Drive Suite E, Killeen, TX 76543
WebsiteLicense: 132111

Expertise.com Rating

Review Sources

Facebook
5.0 (760)
Google
5.0 (77)
Yelp
5.0 (2)

Why choose this provider?

Sente Mortgage Killeen assists homeowners in the metro by offering them refinancing programs. Its team of professionals assesses clients' needs and their current mortgage to create a customized program, such as VA and FHA loans. It also takes their goals, including downsizing homes or moving up to a larger property, into account. The team guides its customers in each step of the refinancing process, from initial discussion and pre-qualification to approval. The company has been in business since 2007.

  • Multi-Family Loans
  • New Construction
  • Reverse Mortgages

4819 Williams Dr, Georgetown, TX 78633
WebsiteLicense: 196278

Expertise.com Rating

Review Sources

Google
5.0 (49)
Facebook
5.0 (44)

Why choose this provider?

The Steve Ferguson Team helps borrowers from Killeen obtain mortgage refinancing aid. Working under Thrive Mortgage, LLC, the team is composed of experienced brokers who are knowledgeable about all types of loans, including VA, FHA, USDA, conventional, and investor loans. Lead Steve Ferguson is a residential mortgage originator who has been in the industry for more than 20 years. He helps clients understand their options and design a mortgage plan that fits their needs and requirements.

  • New Construction
  • Reverse Mortgages

3000 Polar Lane Suite #502, Cedar Park, TX 78613
WebsiteLicense: 1636721

Expertise.com Rating

Review Sources

Google
5.0 (18)

Why choose this provider?

Mortgage Connextions LP is a residential lending company catering to individuals and families across the Killeen community. Its goal is to help clients afford their dream homes through refinancing. Some of its refinance loan programs are conventional, fixed-rate, FHA, and VA loans. The company also offers lending programs to clients who want to purchase homes, invest in properties, and have vacation homes. Nina Thomason, who is the company's senior loan officer, has an extensive background in the financial services industry.

  • Reverse Mortgages

605 River Bend, Ste. 100, Georgetown, TX 78626
WebsiteLicense: 65084

Expertise.com Rating

Review Sources

Facebook
4.9 (82)
Google
4.6 (10)

Why choose this provider?

Waymaker Mortgage is a Georgetown-based company that has been serving clients throughout the Greater Killeen metro since 2017. It helps customers lower their monthly payments, change from an ARM to a fixed-rate loan, pay off their homes faster, and cash out their equity by providing them with various refinancing solutions. These include conventional cash-out and VA and FHA streamline and cash-out. The company's founder, Scottie Campbell, carries more than 10 years of experience in the industry.

  • Reverse Mortgages

11824 Jollyville Road, Suite 503, Austin, TX 78759
WebsiteLicense: 218131

Expertise.com Rating

Why choose this provider?

Abundance Home Mortgage, LLC helps clients with the loan process in the Killeen area. It offers mortgage refinancing services customized to suit the needs of customers. It has loan products and programs, such as FHA, VA, USDA, and conforming conventional refinance loans. In addition, it offers jumbo fixed rate, ARM, and cash-out refinance loans. The firm has been in the industry for over 20 years, assisting individuals with home purchases and refinances and providing individual attention and guidance.

  • New Construction

3019 Palominos Pass, Cedar Park, TX 78641
WebsiteLicense: 1692019

Expertise.com Rating

Review Sources

Facebook
5.0 (72)
Google
4.9 (64)
Yelp
5.0 (2)

Why choose this provider?

CapFi Lending caters to clients living in Killeen who need mortgage and refinancing options. The agency is an independent local establishment that offers conventional loans with 15 and 20-year fixed terms. Products backed by the FHA and USDA are available, as are options aimed at military service veterans. The office also rearranges and consolidates existing debts to reduce the burden on obligors. CapFi Lending comprises a team of senior loan officers and mortgage loan originators.

  • Multi-Family Loans

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
First Community Mortgage
901 E. Central Texas Expy., Killeen, TX 76541
Leslie Lovett
4524 S W S Young Dr Ste 101, Killeen, TX 76542
Kathy Gaitan
3901 E Stan Schlueter Loop, Killeen, TX 76542
Turbo Mortgage
1202 Lakeway Drive, Suite 5B, Killeen, TX 78734
Austin Mortgage Associates
1717 N Mays St, Round Rock, TX 78664
Veterans United of Killeen, TX
1302 W Stan Schlueter LP, Ste. 100, Killeen, TX 76549
Main Street Mortgage
801 S Main St., Georgetown, TX 78634
Fairway Independent Mortgage Corp.
3923 S. General Bruce Dr., Temple, TX 76502
Sente Mortgage Killeen
2102 South W S Young Drive Suite E, Killeen, TX 76543
The Steve Ferguson Team
4819 Williams Dr, Georgetown, TX 78633
Mortgage Connextions LP
3000 Polar Lane Suite #502, Cedar Park, TX 78613
Waymaker Mortgage
605 River Bend, Ste. 100, Georgetown, TX 78626
Abundance Home Mortgage, LLC
11824 Jollyville Road, Suite 503, Austin, TX 78759
CapFi Lending
3019 Palominos Pass, Cedar Park, TX 78641

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.
  • What happens during a mortgage pre-approval in Killeen?

    A mortgage pre-approval in Killeen means you share your financial details with a lender. They check your credit, income, and debts to see how much you can afford and the most they might lend you. If you meet their criteria, you get a letter showing the maximum loan amount you could get. This helps you know your budget when searching for a home.

  • How does mortgage refinancing work in Killeen?

    In Killeen, mortgage refinancing is when a current mortgage holder gets a new mortgage to replace their current one. This is typically done to get new, potentially more favorable terms or to adjust the mortgage amount. The process involves a thorough evaluation of the homeowner's financial information through underwriting, which ensures that they meet the necessary criteria for the new mortgage.

  • How can refinancing your mortgage in Killeen help you?

    Refinancing a mortgage in Killeen can offer several benefits. It may lower your monthly payment, shorten your loan term, or allow you to access cash from your home's equity. This extra money can be used for personal goals, such as planning a vacation, making home improvements, or building a financial safety net for unexpected situations.

  • What do you need to qualify for mortgage refinancing in Killeen?

    Meeting lender-specific criteria is essential to qualify for mortgage refinancing in Killeen. Similar to your initial home purchase, you'll be required to fulfill minimum credit score and income prerequisites. Moreover, specific seasoning requirements apply, which vary based on your home purchase and the type of loan you originally secured.

  • Does getting a home appraisal increase the closing costs of your mortgage refinance in Killeen?

    In certain cases, obtaining a home appraisal as part of the mortgage refinancing process in Killeen can contribute to closing costs. It's essential to verify that the potential savings resulting from the refinance will be more significant than the additional expenses incurred. This underscores the significance of conducting a thorough financial assessment. Speaking with your mortgage advisor can offer valuable guidance enabling you to make a well-informed choice that harmonizes with your financial objectives.

  • 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.