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Best Mortgage Refinance Companies in San Angelo, TX

Our Recommended Top 3

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 San Angelo 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.



3Top Picks

Learn about our selection process.


featured provider = Featured Provider

3421 Johnson St, San Angelo, TX 76904
WebsiteLicense: 1174441 Rating

Review Sources

5.0 (82)

Why choose this provider?

Levi Calhoun works as a branch manager of Geneva Financial, delivering loan and refinancing products to clients in San Angelo. He offers options backed by the USDA and FHA aimed at home buyers and VA-sponsored contracts for military personnel. Refinancing services are available for clients with existing obligations. Calhoun hails from a finance background and is a local raised in the metro. His affiliation, Geneva Financial, has a Homes For Heroes program aimed at medical professionals and firefighters.

  • New Construction

2145 Office Park Dr, San Angelo, TX 76904
WebsiteLicense: 479232 Rating

Review Sources

5.0 (22)
5.0 (2)

Why choose this provider?

Reagan Everett is a loan officer for Guild Mortgage who serves individuals and families in San Angelo and its surrounding communities. He provides a wide variety of loan programs to help those who want to buy a house or refinance a mortgage. These include fixed- and adjustable-rate mortgages, FHA, jumbo, USDA, and VA loans. He has been in the real estate industry since 1986. One client commended Reagan and his team for being ready to answer all her questions and concerns.

  • New Construction

5255 Bentwood Dr, San Angelo, TX 76904
WebsiteLicense: 493828 Rating

Review Sources

4.9 (69)
5.0 (1)

Why choose this provider?

Capital Farm Credit offers refinancing options and agricultural loans throughout San Angelo. Its loan officers provide various customized programs according to each client's financial situation and desired term durations and monthly payments. They also deliver regular updates of analytical results that are derived from comprehensive assessments of interest rates and prices within the agricultural and mortgage markets. Since its start in 2006, the staff has accumulated equities and cash returns amounting to at least $2.2 billion.

  • New Construction

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Levi Calhoun
3421 Johnson St, San Angelo, TX 76904
Reagan Everett
2145 Office Park Dr, San Angelo, TX 76904
Capital Farm Credit
5255 Bentwood Dr, San Angelo, TX 76904


  • 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 documents do you need to apply for a mortgage refinance in San Angelo?

    When you apply for a mortgage refinance in San Angelo and in the state of Texas, lenders will usually require proof of income such as pay stubs, W2 forms, and two years of federal tax returns. They may also ask for proof of assets such as bank statements and credit reports.

  • Can you switch from an FHA to a conventional loan when refinancing in San Angelo?

    Yes, you can switch from an FHA loan to a conventional loan in San Angelo through mortgage refinancing. One of the biggest advantages of making the switch is being able to remove your FHA mortgage insurance, which is higher than the private mortgage insurance of a conventional loan. Switching will also give you better interest rates and loan terms.

  • How much equity do you need to avail of a cash-out refinancing in San Angelo?

    For cash-out refinancing in San Angelo, you must have more than 20% equity in your home. Lenders may also require you to have at least a credit score of 620 or higher and have no bankruptcy records from the past seven years. You also have to use your primary residence for the cash-out refinancing.

  • How do you prepare to apply for a mortgage refinance in San Angelo?

    Before you apply for mortgage refinancing in San Angelo, you may need to have your credit score in order. If you have a high credit score, you will have a better chance of securing a refinancing loan. You should also plan and choose which refinancing programs will fit your financial goals both short-term and long-term.

  • What are the possible reasons for delay in a cash-out refinancing in San Angelo?

    Usually, the mortgage refinancing process in San Angelo will take around 30-45 days or less before closing. However, delays could be caused by things such as a change in employment during the application process or a big credit card purchase. A change in marital status can also delay your loan process.

  • 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.