Expertise.com

2024

Last updated:

Best Mortgage Refinance Companies in Austin

Our Recommended Top 17

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 Austin 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.

411Reviewed

253Curated

17Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

600 Congress Ave Office 16116, Beaumont, TX 78701

Expertise.com Rating

Review Sources

Google
4.6 (12)
Facebook
5.0 (12)
Yelp
5.0 (4)

Why choose this provider?

Republic State Mortgage Austin is a full-service company catering to its local metro and surrounding areas. Its mortgage brokers help home buyers to choose suitable loan programs—such as conventional, FHA mortgage, investor, and VA loans—in financing their purchases. They also guide clients through the loan process, from start to finish, and evaluate refinancing options for homeowners looking to shorten their loan term. The company was established in 1994 and has over 30 offices located across 13 states.

1318 Shotgun Court, Pflugerville, TX 78660
WebsiteLicense: 1754051

Expertise.com Rating

Review Sources

Facebook
5.0 (12)
Google
5.0 (2)

Why choose this provider?

Lombardi Lending offers mortgage solutions to clients in Round Rock and surrounding areas. It provides refinancing options on homes and other real estate properties based on unique criteria and scenarios of clients. It also works with those seeking fixed-rate, adjustable-rate mortgages, conforming, jumbo, FHA, VA, and USDA are also offered with terms from five to 30 years. The Lombardi Lending team comprises loan originator Amanda Lombardi and loan coordinator John Moszocki.

  • Mortgages
  • Mortgage Broker
  • Cash-out Refinance

3201 Menchaca Rd., Austin, TX 78704

Expertise.com Rating

Review Sources

Google
4.9 (324)
Facebook
4.8 (19)
Yelp
4.5 (14)

Why choose this provider?

For more than 15 years, Barton Creek Lending Group has been offering mortgage financing for condo projects, including non-warrantable, commercial properties, raw land, and residential properties in the Austin area. The business offers several loan products, such as USDA, conventional, VA, home equity, FHA, and jumbo loans. Its team of loan originators collaborates with investors, mortgage lenders, and banks in assisting homeowners throughout the process of home buying and purchasing. They are also licensed to serve customers in New Mexico, Colorado, and Florida.

8900 Business Park Drive, Austin, TX 78759

Expertise.com Rating

Review Sources

Google
5.0 (146)
Facebook
5.0 (19)
Yelp
5.0 (4)

Why choose this provider?

Since 2015, NRL Mortgage has been serving clients in Austin. It assists property owners through the process of mortgage refinancing and has experience with different types of loan programs, including VA, USDA, and FHA loans. The company educates clients on various issues, like debt-to-income ratios and FICO scores. It also deals with renters and offers an online amortization calculator to help them consider homeownership tax benefits. Cody Reid, the company's branch manager, has been in the financial services industry for over a decade.

3019 Palominos Pass, Leander, TX 78641
WebsiteLicense: 1692019

Expertise.com Rating

Review Sources

Facebook
5.0 (7)
Yelp
5.0 (2)

Why choose this provider?

CapFi Lending is a locally owned and operated mortgage refinancing company in Austin helping homeowners lower their monthly payments through a wide variety of mortgage refinancing rates and options. With CapFi Lending, home buyers can take advantage of mortgage loan programs such as FHA, adjustable rate mortgages, and VA. The company can also provide 15 and 30-year fixed loan terms. Other offerings include conventional loans, jumbo loans, as well as Texas FHA, VA, and USDA home loan programs.

  • Reverse Mortgages
  • NMLS #: 39166

9009 Mountain Ridge Drive, Austin, TX 78759
WebsiteLicense: 554419

Expertise.com Rating

Review Sources

Google
4.9 (112)
Yelp
5.0 (41)

Why choose this provider?

Highlander Mortgage provides mortgage refinancing options to clients in Austin. Owner Ashby McDonald has been in the mortgage industry for over 15 years, with experience working as a loan officer and a broker. The company's mortgage professionals work with clients individually to ensure providing a financial solution that meets their individual needs. In addition, it also offers mortgage resources that help clients in determining their refinancing options. Highlander Mortgage also has a refinance advisor on its website that can assist clients in finding refinancing options.

  • New Construction

3420 Executive Center Drive, Austin, TX 78731
WebsiteLicense: 151263

Expertise.com Rating

Review Sources

Yelp
5.0 (252)
Facebook
4.9 (10)

Why choose this provider?

Max Leaman has been in the mortgage industry since 2001. He currently serves as the senior loan officer and branch manager of LoanPeople's Leaman Team. He works with a team of mortgage professionals to provide home loan solutions to clients in the Austin metro and surrounding communities. Max collaborates with borrowers in finding residential loan programs to refinance their existing mortgages. He provides clients who are seeking new rates and terms with a range of loan products such as conventional mortgages and jumbo ARM loans.

  • Reverse Mortgages
  • NMLS #: 39166

1107 S. 8th Street, Ste D, Austin, TX 78704

Expertise.com Rating

Review Sources

Google
5.0 (2)
Yelp
5.0 (1)

Why choose this provider?

Tommy Hollahan serves individuals and families in Austin. He started his career in mortgage financing in 2005. He offers home and real estate refinancing options with fixed or adjustable rates. Tommy provides 30- and 15-year fixed-rate options as well. He helps customers find suitable mortgage loans insured by the Federal Housing Administration. He also gives them other loan options, such as VA, USDA, Jumbo, and construction loans. In addition, Tommy has experience handling reverse mortgages.

  • Reverse Mortgages

3420 Executive Center Dr. #G-100, Austin, TX 78731

Expertise.com Rating

Review Sources

Google
4.9 (51)
Facebook
5.0 (7)
Yelp
5.0 (5)

Why choose this provider?

Loan People assists clients in Austin with their mortgage concerns. It offers refinancing, in-house processing, underwriting, closing, and funding solutions. The company provides conventional, jumbo, condo, VA, FHA, USDA, and delayed financing loans. It also handles divorce loans, which can be refinanced when divorcing couples, probate inheritance with multiple owners, and division of co-owned assets by unmarried partners are involved. Loan People's CEO, Max Leaman, has been in the industry for more than 20 years.

  • Reverse Mortgages

8310 North Capital of Texas Highway, Austin, TX 78731
WebsiteLicense: 136881

Expertise.com Rating

Review Sources

Google
5.0 (81)
Yelp
5.0 (12)

Why choose this provider?

PrimeLending is a mortgage refinancing company serving clients in the Austin area. Its branch manager, Joel Richardson, is a senior loan officer carrying over 20 years of experience in the financial field. Richardson offers mortgage loan options for purchasing and refinancing residential and investment property as well as custom construction and renovation projects. His home equity loan options include refinance, condo, jumbo, FHA, and VA loans. Moreover, Richardson has been featured in The Wall Street Journal.

  • Multi-Family Loans

3520 Executive Center Dr., Suite 200, Austin, TX 78731

Expertise.com Rating

Review Sources

Facebook
4.7 (26)
Google
4.1 (14)
Yelp
5.0 (5)

Why choose this provider?

Supreme Lending McClellan is a group of lenders assisting home buyers in Austin. It offers a wide range of loan programs for primary residences, second homes, and investment properties. These include conventional, jumbo, adjustable-rate, USDA rural, and rate term refinance. The home loan process involves customizing loan products with an officer, ordering residential appraisals, underwriting, processing and closing, and assistance post-closing. Since 1999, the firm has been expanding its network with hundreds of employees across 50 states.

1301 South Capital of Texas Highway, Austin, TX 78746
WebsiteLicense: 1863763

Expertise.com Rating

Review Sources

Google
5.0 (78)

Why choose this provider?

Austin Mortgage Lending is a mortgage brokerage that serves clients in the Austin community. Stephen Roberts, the owner and mortgage broker of the company, leads a team of loan originators, coordinators, and processors to help clients get their preferred mortgage loan without the hassle that is normally associated with it. They help clients navigate through the entire mortgage process to identify the right program that will secure their loan. Austin Mortgage Lending keeps clients constantly informed and updated with their loans through emails and calls if necessary.

  • Multi-Family Loans

13809 Research Blvd., Ste 615, Austin, TX 78750

Expertise.com Rating

Review Sources

Google
4.8 (37)

Why choose this provider?

Hometrust Mortgage South Austin offers its services to clients living within the area. The company's team of mortgage advisors can help clients reduce their monthly mortgage payments and allow them to pay their mortgages faster by helping them refinance their homes. The company can also help clients choose loan products that would enable them to purchase their first or second homes. Hometrust Mortgage South Austin has been offering load programs and in-house processing to clients since 1986.

5910 Courtyard Drive, Austin, TX 78731
WebsiteLicense: 1744915

Expertise.com Rating

Review Sources

Google
5.0 (120)

Why choose this provider?

Headquartered in Austin, Big Life Home Loan Group offers mortgage refinance solutions to borrowers in and around the metro. Its mortgage specialists help clients evaluate their eligibility for mortgage refinancing, whether to modify loan terms, reduce interest payments, and consolidate debts. They also provide access to multiple loan options, such as jumbo, FHA, VA, and home equity loans. Branch manager Amy Oehler has over 20 years of experience creating an enjoyable and hassle-free mortgage process to clients for homeownership purposes.

  • Multi-Family Loans

3801 North Capital of Texas Highway, Austin, TX 78746
WebsiteLicense: 229421

Expertise.com Rating

Review Sources

Google
5.0 (171)
Yelp
5.0 (26)
Facebook
5.0 (5)

Why choose this provider?

Established in 1996, Austin Capital Mortgage is a team of advisors that helps clients in a number of areas, including refinancing. Whether clients need to pay their mortgages in a shorter period of time, lower their loans' interest rates, or consolidate their debt, the mortgage professionals can help them get new loans, from 15- and 30-year fixed-rate mortgages to VA home loans. Austin Capital Mortgage's president, Charlie Cooper, has been working in the industry since 2006.

  • Multi-Family Loans

3403 Glenview Avenue, Austin, TX 78703

Expertise.com Rating

Why choose this provider?

Arien Bowersock offers products and services for a streamlined home loan process for clients in Austin. Its loan officers assist individuals in finding suitable financial products for their goals, such as adjustable-rate mortgage, bank statement mortgage, fixed-rate, and jumbo home loan products. FHA, VA, and USDA products are also available. In addition, it also offers cash-out refinance and debt consolidation options. Bowersock, the regional director and senior loan officer, has over 19 years of industry experience.

8834 N Capital of Texas Hwy Suite 150, Austin, TX 78759

Expertise.com Rating

Review Sources

Google
4.8 (40)
Facebook
4.8 (21)
Yelp
4.5 (14)

Why choose this provider?

JB Mortgage Group caters to individuals searching for home loans in Austin. Those who are looking to purchase a new home are accommodated by its loan officers who provide them with FHA, VA, jumbo, or fixed-rate loans. They also present clients with low down payment options and specific loans for first-time homebuyers. In addition, the firm has mortgage loan programs for investment and vacation properties and refinance products. Founder Justin Boyd is recognized by the Austin Business Journal as one of the top mortgage originators.

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 are the available refinancing options in Austin?

    In Austin, people have a range of options for refinancing their homes. Conventional refinance allows the substitution of an existing mortgage with a new one, potentially resulting in more advantageous terms. Tailored for veterans, the VA IRRL simplifies the process with less paperwork. Likewise, the FHA Streamline caters to FHA loan holders, streamlining the refinancing procedure. Moreover, cash-out refinance permits homeowners to borrow against their home equity, serving diverse financial goals.

  • What factors influence the interest rate of a refinance loan in Austin?

    Various factors influence the interest rate of a refinance loan in Austin. Credit score plays a significant role, with higher scores leading to lower rates. The debt-to-income ratio matters, determining risk and adjusting rates accordingly. The loan-to-value ratio, which compares the loan amount to home value, also impacts rates, with an LTV ratio below 80% generally resulting in better terms. Balancing these factors is crucial for obtaining favorable interest rates when refinancing.

  • What are the potential drawbacks of a cash-out refinance in Austin?

    A cash-out refinance in Austin may have potential downsides. While a lower new loan rate can result in interest savings, a higher rate would entail added interest on your current balance and the extra funds borrowed. Furthermore, fees linked with a cash-out refinance are typically higher than a home equity loan or credit line. The loan amount is often limited to 80% of the home's value, restricting available equity compared to other options.

  • What should be considered when finding a mortgage company to refinance a home in Austin?

    Several aspects deserve consideration when searching for a mortgage company for home refinancing in Austin. First, seek out companies that offer customized services, catering to your specific needs with various products. Prioritize those that provide clear, transparent terms and easily understandable rates. A straightforward refinance application process is also essential. Look for advisors who offer helpful guidance, genuinely considering your best interests. Lastly, choose a reputable, well-established company to ensure a smooth refinancing experience.

  • What are the uses of home refinance loans in Austin?

    Home refinance loans in Austin offer versatile uses for homeowners. They provide funds for various financial goals, including home improvements like renovations or a new roof. Refinancing also accommodates changing family dynamics, whether supporting elderly members, covering college expenses, or addressing unique family needs. Additionally, cash-out refinancing offers extra funds for saving, investing, or immediate spending. Moreover, refinancing helps adjust mortgage affordability to align with changes in living costs or financial circumstances, ensuring a more suitable arrangement.

  • 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.