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Best Mortgage Refinance Companies in San Antonio, TX

Our Recommended Top 11

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 Antonio 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.

715Reviewed

433Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1600 NE Loop 410 Suite 222, San Antonio, TX 78209

Expertise.com Rating

Review Sources

Facebook
5.0 (44)
Google
4.3 (18)
Yelp
4.5 (4)

Why choose this provider?

Rubiola Realty & Mortgage is a brokerage company serving homeowners and homebuyers in San Antonio. It offers a variety of mortgage refinancing options that include conventional, jumbo, reverse mortgages, USDA, and FHA loans. Its brokers gather clients' documents, examine credit histories, and verify employment background and income. Rubiola Realty & Mortgage aims to deliver an effortless real estate experience by working with various lenders and using modern technology in combination with a casual and boutique-style approach to customer service.

  • Mortgage Brokers
  • FHA, VA, Conventional
  • Reverse Mortgages

3820 Farm to Market Road 3009, Schertz, TX 78154
WebsiteLicense: 220759

Expertise.com Rating

Review Sources

Facebook
5.0 (7)
Yelp
5.0 (1)

Why choose this provider?

Triton Group at Legacy Mutual Mortgage is a Schertz-based mortgage lending company. Serving clients throughout the San Antonio area, the company offers assistance for clients looking to purchase a new home or refinance their existing properties. It offers various loan options such as FHA, VA, USDA, and conventional home loans for primary residences. It also offers two-time construction loans, conventional secondary, and investment home loans with no downpayment required. Triton Group has almost 20 years of collective industry experience.

  • Reverse Mortgages
  • NMLS #: 39166

10010 San Pedro Avenue, Ste 620, San Antonio, TX 78216
WebsiteLicense: 872100

Expertise.com Rating

Review Sources

Facebook
5.0 (14)

Why choose this provider?

Chris Murray is a loan officer based in San Antonio. He has been in the real estate industry for over 25 years, first working as a home builder before becoming a real estate agent and broker in 2008. He has since joined his family's mortgage company and has been helping families buy homes for over 12 years. Murray helps clients identify the mortgage terms that meet their needs. Some options he offers include home equity, jumbo home, VA, construction, USDA, and FHA loans.

  • New Construction

19707 IH-10W, San Antonio, TX 78257

Expertise.com Rating

Review Sources

Google
4.9 (106)
Yelp
3.5 (4)

Why choose this provider?

Mortgage Financial Services is an independent lending company based in San Antonio. It works with people planning to purchase their first homes or second investment properties, individuals who need down payment assistance, and borrowers who wish to refinance their current home loans. Clients can choose from different loan options, including FHA, VA, jumbo, and fixed-rate mortgages. They can also consult the firm's specialists if they need assistance figuring out which refinance or new loan plan suits their needs.

  • Multi-Family Loans

11106 West Avenue, San Antonio, TX 78213
WebsiteLicense: 209402

Expertise.com Rating

Review Sources

Yelp
5.0 (13)

Why choose this provider?

Since 1995, New Horizon Mortgage Inc. has been providing financing options and mortgage refinancing services to clients in San Antonio. The loan officers at this company keep clients updated throughout the loan process. They also address concerns and educate clients on the steps and paperwork necessary to refinance loans or acquire new financing options. The company refinances USDA, VA, FHA, condo, and jumbo loans. Clients praised New Horizon Mortgage for the high level of attention they put in to helping clients acquire and refinance loans.

  • Reverse Mortgages
  • NMLS #: 39166
  • NLMS# 209402

8000 IH 10 West, Suite 600, San Antonio, TX 78230

Expertise.com Rating

Review Sources

Google
4.8 (26)

Why choose this provider?

San Antonio Mortgage caters to customers in the metro and the neighboring communities. It offers various types of loan programs for home mortgages that include low down payment and very high-value loans. The company addresses the needs of different customers and guides them from application up to closing. It provides loan programs such as FHA, foreign national, adjustable-rate, USDA, jumbo, and VA loans. San Antonio Mortgage has been offering services since 1987.

  • New Construction

7800 IH 10 West, #112, San Antonio, TX 78230

Expertise.com Rating

Review Sources

Google
4.9 (7)

Why choose this provider?

Vision Mortgage Company, Ltd., caters to clients in San Antonio and the surrounding communities. The company opened its doors to the community in 1997, working with individuals looking to refinance their mortgage or purchase a property. It offers home and cash-out refinance, reverse mortgages, and home construction loans. Its professionals assist clients in the refinancing process by walking them through home equity, VA and FHA refinance, and liens and judgments. Its owner, Armando Barbosa, holds over 30 years of mortgage experience.

  • Multi-Family Loans

12915 Jones-Maltsberger, Suite 304, San Antonio, TX 78247

Expertise.com Rating

Why choose this provider?

April Raynor is a loan officer at Hancock Mortgage Partners and serves clients in San Antonio and neighboring areas. With access to over 40 lenders, she offers various loan options such as conventional, jumbo, FHA, VA, and reverse mortgage for first-time or luxury homebuyers. She also provides refinance options that allow clients to receive cash for home improvements, achieve lower monthly payments, get better rates and terms, and consolidate debts. After walking clients through the available options, April aims to match them with the right lender.

  • Multi-Family Loans

2822 N. Loop 1604 WestSuite 101, San Antonio, TX 78248

Expertise.com Rating

Review Sources

Google
4.9 (876)
Yelp
2.5 (19)

Why choose this provider?

Gold Financial Services is a San Antonio-based firm that provides a variety of residential mortgage products. Since 1998, its team of loan officers has been guiding clients throughout the mortgage refinancing process, from performing underwriting assessments to handling closing procedures. They offer various loan types, such as VA, FHA, USDA, and conventional loan options. Gold Financial Services has online mortgage calculators, allowing clients to make the necessary computations regarding their amortization and monthly mortgage payments.

  • New Construction

1800 Northeast Interstate 410 Loop, San Antonio, TX 78217
WebsiteLicense: 277300

Expertise.com Rating

Review Sources

Facebook
5.0 (11)

Why choose this provider?

Southwest Funding LP is a refinance mortgage company offering residential mortgage products for homeowners in the San Antonio area since 1993. It provides a wide variety of loan programs, including FRM, ARM, FHA, VA, USDA, jumbo loans, and conventional mortgages with 10-, 15-, and 30-year terms. Southwest Funding LP also offers loans for foreign nationals, investors, and self-employed buyers. The company can also provide assistance with down payments, credit repairs, and in-house ITIN loan programs.

  • Reverse Mortgages
  • NMLS #: 39166

227 North Loop 1604 East, Suite 150 - 128, San Antonio, TX 78232

Expertise.com Rating

Review Sources

Google
4.6 (11)

Why choose this provider?

Smart Rate Mortgage Brokers offers loan programs for homeowners and homebuyers in and around San Antonio. It provides home refinance loans such as fixed- and adjustable-rate mortgages for homeowners looking to obtain cash from their home equity, change mortgage terms, or lower interest rates. It also offers assistance in applying for government-backed loans such as USDA, FHA, and VA. Its mortgage broker, Fred Camarillo, has nearly two decades of industry experience. He also speaks Spanish fluently.

  • New Construction

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Rubiola Realty & Mortgage
1600 NE Loop 410 Suite 222, San Antonio, TX 78209
Triton Group at Legacy Mutual Mortgage
3820 Farm to Market Road 3009, Schertz, TX 78154
Chris Murray
10010 San Pedro Avenue, Ste 620, San Antonio, TX 78216
Mortgage Financial Services
19707 IH-10W, San Antonio, TX 78257
New Horizon Mortgage, Inc.
11106 West Avenue, San Antonio, TX 78213
San Antonio Mortgage
8000 IH 10 West, Suite 600, San Antonio, TX 78230
Vision Mortgage Company, Ltd.
7800 IH 10 West, #112, San Antonio, TX 78230
April Raynor
12915 Jones-Maltsberger, Suite 304, San Antonio, TX 78247
Gold Financial Services
2822 N. Loop 1604 WestSuite 101, San Antonio, TX 78248
Southwest Funding LP
1800 Northeast Interstate 410 Loop, San Antonio, TX 78217
Smart Rate Mortgage Brokers
227 North Loop 1604 East, Suite 150 - 128, San Antonio, TX 78232

San Antonio, TX Mortgage Refinance FAQs

  • How can a borrower estimate the available equity of their home in San Antonio?

    Subtract the remaining mortgage amount from the home's fair market value to calculate the available equity. The Bexar County Appraisal District can provide you with information on the fair market value. Contact customer service at (210) 224-2432 or cs@bcad.org. Its office is situated at 411 North Frio Street San Antonio, TX 78207.

  • How should you prepare for refinancing your home loan in San Antonio?

    First, compare refinancing fees and rates from various lenders. Remember that refinancing only works if you can get a lower interest rate. Take note that the fees will almost certainly be comparable to those incurred when purchasing a home. Next, gather relevant documents such as W-2s, pay stubs, and bank statements. Then, select a lender and discuss your plans with them. Following that, the lender will provide you with a Cost Analysis Worksheet or Loan Estimate Form. Examine the details of your new mortgage using these documents.

  • How can a borrower in San Antonio qualify for a Fannie Mae Texas Refinance?

    To begin, there must be sufficient equity in the home. At least 20% of the equity must be retained, and the loan must cover 80% of the home's value. Borrowers in San Antonio will also be evaluated in terms of income, assets, credit, property type, and employment. The minimum credit score required is 620. The property must be the primary residence, which can be approved condos, stick-built homes, or PUDs.

  • Does it affect your loan if you refinance when home values in San Antonio rise?

    If you refinance with the same lender, your loan should not be affected when San Antonio home values rise. However, if you switch lenders, your refinancing costs may rise. For example, your homeowner's insurance and property taxes may rise if the home's value rises during the closing process. Before you begin the refinancing process, check with your lender to see what costs may increase as property values rise.

  • Can you refinance a non-conforming loan in San Antonio?

    Yes, in San Antonio, you can refinance most types of loans, including non-conforming ones. There will be different refinancing guidelines depending on the type of non-conforming loan you have. However, getting qualified for a non-conforming loan should be easier than getting qualified for a conforming loan. This could be due to a lower credit score or a lower DTI required.