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Best Mortgage Refinance Companies in Baytown

2024

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Website
2200 E. NASA Pkwy., 130, Houston, TX 77058
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Republic State Mortgage serves clients throughout the Greater Baytown metro. It assists individuals in applying for a mortgage refinance to help them obtain their financial goals, such as lowering their monthly payments, consolidating debts, and taking extra cash out from their home's equity. It also offers a wide variety of lending options for homebuyers, including FHA, conventional, VA, and jumbo loans. One client praised the company for providing her with an electronic signature solution, which made the closing process easier for her.

License Verified:

License: 62411

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (17)
Facebook
5.0 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2770 North Farm to Market 565 Road, Mont Belvieu, TX 77523
  • Reverse Mortgages
  • New Construction

Why choose this provider?

The Guarantee Mortgage Company is a Mont Belvieu-based agency that serves individuals and families in Baytown. Its agents work with applicants who seek to reduce their monthly payments, pay off their debts, and improve their long-term interest rates using their custom refinancing plans. By drawing on marketing evaluations and appraisals of local properties and mortgage rates, they help refinancers evaluate their available financial choices. They have developed their first-hand knowledge of various mortgage programs and lending factors over the course of more than 25 years.

License Verified:

License: 279696

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (220)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5444 Westheimer Rd Suite 200, Houston, TX 77056
  • Commercial Loans

Why choose this provider?

Matador Lending caters to clients across Baytown and the surrounding cities. It handles the mortgage refinancing needs of homeowners who wish to reduce their monthly payments, lower their rates, and change their loan terms to fit their current and future financial goals. It also offers different home purchasing loan options for clients, such as jumbo, which focuses on providing clients with fixed and adjustable rates. Matador Lending carries other loan types, including VA, FHA, and Non-QM.

License Verified:

License: 1871433

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (153)
Facebook
4.9 / 5 (38)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1521 Green Oak Place Suite 197, Kingwood, TX 77339
  • New Construction

Why choose this provider?

Mortgages By Gabe caters to real estate investors and first-time homebuyers in Baytown and its nearby communities. The business offers various loan programs, such as VA, USDA, construction, hard money, FHA, and conventional mortgages. Founder and mortgage broker Gabe Winslow has helped customers refinance a variety of residential properties, including condominiums, multi-unit dwellings, townhouses, and single-family residences. He is licensed to respond to the mortgage needs of clients in Arizona, Idaho, and Michigan. Mortgages By Gabe also provides down payment assistance programs.

License Verified:

License: 1613381

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (29)
Facebook
5.0 / 5 (20)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2233 Yale Street, Houston, TX 77008
  • New Construction

Why choose this provider?

Texas Loan Star, Inc., is a mortgage brokerage company that assists the people of Baytown. It helps individuals and families adjust their mortgage payment rates and terms by providing refinancing services. It also offers professional assistance for purchasing residential and commercial establishments, which includes mortgage products like FHA, VA, USDA, and portfolio loans. Additionally, it caters to clients who seek to construct or renovate investment properties. The firm's team of financial experts has over 50 years of lending experience.

License Verified:

License: 99250

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2500 West Loop South Suite 250, Houston, TX 77027
  • New Construction

Why choose this provider?

Secure Mortgage Company aims to help families and individuals throughout the Baytown metro and nearby areas meet their housing goals by providing a variety of residential mortgage products and services. The firm's loan officers help clients looking into refinancing their existing homes, whether to get better terms, consolidate current debts, or take some cash out. Additionally, the firm is a member of the National Association of Mortgage Brokers and the Greater Houston Association of Mortgage Brokers.

License Verified:

License: 70160

Nationwide Multistate Licensing System and Registry

Website
25404 Highway 59 Suite 204, Porter, TX 77365
  • Reverse Mortgages

Why choose this provider?

A & K Mortgage addresses the needs of customers in Baytown. It provides mortgage refinancing solutions to individuals who want to lower their interest rate or convert their current FHA loan to a conventional loan. It also offers refinancing services to people who have improved their credit scores or aim to remove PMI. The company can cater to those who are self-employed or on fixed incomes. Kristen Bradley, the president of A & K Mortgage, has over 15 years of industry experience.

License Verified:

License: 1958373

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (28)
Facebook
4.8 / 5 (17)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1800 Bering, Suite 100, Houston, TX 77057
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Flagstone is a mortgage banker and brokerage catering to the refinancing needs of homeowners in Baytown. The company assists holders of mortgages, such as VA, jumbo, FHA, and super jumbo programs, in applying for refinancing. Deploying a concierge lending approach, its team structures refinancing transactions to secure optimum financial benefits. Flagstone operates mainly through the By Referral Only business model and has been in operation since 2001. It is the recipient of the Broker Award for Outstanding Performance given by Washington Mutual.

License Verified:

License: 337283

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
730 FM 1959 RD, Suite 200, Houston, TX 77034
  • New Construction

Why choose this provider?

Dar Mortgage Corp offers financing assistance to homeowners and homebuyers in Baytown. The company provides refinancing solutions that are intended to reduce borrowers' monthly payments, consolidate debts, and take out cash from equities. These options apply to clients living in single- and multi-family units, condominiums, and manufactured homes. Its loan officers guide customers through the entire application process, from determining purchasing power to signing final documents. Some of the agency's programs include FHA, VA, and USDA loans, as well as fixed-rate and adjustable-rate mortgages.

License Verified:

License: 1917501

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (12)

Website
8822 Dexter Street, Houston, TX 77075
  • New Construction

Why choose this provider?

Galan Mortgage, LLC, handles applications from prospective refinancers, including those who speak Spanish, within the Baytown metro. The agency's team offers hybrid adjustable-rate mortgages that combine fixed payment options that extend throughout improved term durations with reduced interest rates. It recommends each option based on financial factors like an applicant's credit score and income capabilities. It also provides clients access to comprehensive reports and insights into the local mortgage market to help them adjust their options based on interest rate changes and property value trends.

License Verified:

License: 1085384

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (10)

Website
9219 Katy Freeway, Suite 115, Houston, TX 77024
  • Reverse Mortgages

Why choose this provider?

Western Mortgage caters to clients in the Baytown community. The company offers mortgage assistance to customers refinancing their homes, consolidating their debt, or buying their first house. Its refinancing solutions help borrowers change from an adjustable-rate to a fixed-rate mortgage and obtain lower monthly payments. Its staff members evaluate the client's mortgage needs and create a refinancing plan based on their needs. The professionals also provide conventional, jumbo, investor, construction, VA, and FHA loan programs.

License Verified:

License: 328188

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
3.9 / 5 (21)
Facebook
4.4 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
7702 FM 1960 Road E. Suite 300,, Humble, TX 77346
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Firehouse Mortgage is a brokerage that provides refinancing programs to support the home purchasing goals of residents in Baytown. The company helps mortgage borrowers make informed decisions in refinancing existing loans to secure cash for renovations, obtain lower monthly payments, or shorten terms. Its team of professionals assists homeowners in choosing from and applying for refinancing programs such as cash-out, VA IRRRL, and conventional loans. Firehouse Mortgage is a veteran-owned business established in 2018 by the husband-and-wife team of Aaron and Rachel Clark.

License Verified:

License: 1775668

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.8 / 5 (44)
Facebook
5.0 / 5 (18)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
711 Milby St Suite 9A, Houston, TX 77023
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Armando Alaniz is a mortgage broker for Bar None Mortgage Services who serves individuals and families in Baytown and its nearby communities. He assists people looking to refinance their current mortgages or purchase a new home. He collaborates closely with clients to find a loan program for their needs, whether it is a conventional, FHA, USDA, VA, renovation, or jumbo loan. Alaniz guides customers through every step of the loan process, from pre-approval to closing.

License Verified:

License: 216014

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • 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 three parts of a monthly mortgage payment in Baytown?

    The three parts of a monthly Baytown mortgage payment are the principal, interest, and taxes and insurance. The principal is the original amount borrowed, and the interest is the payment to the lender for shelling out the money. Tax and insurance payments are generally made to special escrow accounts for property taxes and hazard insurance. They are sometimes optional and are directly paid by the borrower to the county’s tax assessor and the property insurance company.

  • What costs are associated with refinancing a home in Baytown?

    Baytown residents who want to buy a home will first need to have earnest money, which is a deposit required to make their offer on the home. The down payment, which is a certain percentage of the home’s cost, should also be paid upon settlement. Lastly, closing costs cover the processing of paperwork for purchasing or refinancing the home.

  • Will getting new credit cards allow Baytown refinance borrowers to improve their credit score?

    Getting new credit cards will not allow Baytown refinance borrowers to improve their credit scores. When they apply for a loan, their credit will be thoroughly checked not once but many times, so applying for new credit cards will cause their credit score to plummet, and their mortgage rates may also increase. They should, in fact, do the opposite and throw away new credit card offers, and they should also lock up their existing cards.

  • What are some tips you can give Baytown residents who are considering getting a refinancing loan?

    Baytown residents who want to get a refinancing loan should revisit their current mortgage and make sure that no penalty for early pay-off exists. Also, consider if a refinancing’s closing costs are worth it compared to the amount of time left in the existing loan. In looking for a good deal, check out various lenders to score lower rates and associated loan fees.

  • Does the city of Baytown provide a down payment assistance program for home buyers?

    Yes, Baytown City provides down payment assistance up to 5% of the home’s price. This assistance comes in the form of a forgivable and interest-free loan, which need not be paid back after five years. This service requires the borrower to undergo a home-buying education course. The property being bought should be located within Baytown, the home’s price should not be over $180,000, and the property must not be purchased from a relative.

  • 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.