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Best Mortgage Refinance Companies in Beaumont

2024

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Website
8460 Central Mall Dr., F, Port Arthur, TX 77642
  • New Construction

Why choose this provider?

Chris Bellard is a loan officer who caters to the refinancing objectives of homeowners in the Beaumont area. Bellard and his team help mortgage borrowers considering refinance programs in order to lower monthly payments, obtain extra cash, and shorten mortgage terms. They assess needs and financial situations and assist in evaluating different options to determine suitable refinancing opportunities for each client. Bellard is affiliated with Republic State Mortgage Co and also creates customized financing solutions for self-employed individuals.

License Verified:

License: 1808523

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
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Website
7185 I-10 South, Beaumont, TX 77705
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Texas Farm Credit caters to the mortgage refinance needs of clients in Beaumont. It provides borrowers with a variety of mortgage refinance programs, such as flexible term, fixed-rate, and repayment options. Its mortgage professionals are prepared to answer any inquiries about refinancing. They pair clients with the loan product that suits their needs and guide them through the entire application process. Texas Farm Credit is part of the Farm Credit System, a cooperative network founded in 1916.

License Verified:

License: 78380

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1002 Magnolia Avenue, Suite E, Port Neches, TX 77651
  • Reverse Mortgages

Why choose this provider?

The Wood Group is a local mortgage lender serving Beaumont. It strives to help property owners save money through refinancing programs, providing them access to their property's equity or finding them a loan with a lower rate and repayment. The agency offers conventional, FHA, USDA, renovation, and VA home loans. It also provides reverse mortgage programs for qualified seniors to refinance their homes and utilize their equity. The Wood Group is under the Fairway Independent Mortgage Corporation, which has over 700 offices nationwide.

License Verified:

License: 317789

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
Facebook
4.9 / 5 (42)

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
350 Pine St Suite 220, Beaumont, TX 77701
  • New Construction

Why choose this provider?

For more than 20 years, Cattell Incorporated has been helping individuals and families in Beaumont reach their financial goals. The agency offers a variety of refinance options to meet the needs of local borrowers, including cash-out and rate-and-term. Its professionals provide special types of loans for senior homeowners, non-citizens, and customers who do not have social security numbers. They assist clients from pre-approval to selection of loan programs and closing. The company carries government-backed mortgage loans from FHA, VA, and USDA.

License Verified:

License: 1048617

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
Facebook
4.9 / 5 (59)
Google
4.6 / 5 (27)

Website
2 Acadiana Court, Beaumont, TX 77706
  • New Construction

Why choose this provider?

Kerri Abshire is one of the loan originators of Gateway Mortgage. She guides clients in Beaumont through every step of the journey to homeownership, including mortgage application. She offers assistance to clients whose current mortgage no longer works for them. The company's mortgage refinancing options include cash-out refinancing, VA interest rate reduction refinancing loan, and Freddie Mac Refi Possible and Fannie Mae RefiNow programs. Checking, loans, credit cards, lending, and other personal and commercial banking services are also available. J. Kevin Stitt founded Gateway Mortgage in 2000.

License Verified:

License: 1655023

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
Facebook
4.0 / 5 (2943)
Yelp
3.0 / 5 (5)
Google
4.0 / 5 (4)

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
2515 B NASA Pkwy, Suite 200, Beaumont, TX 77586
  • New Construction

Why choose this provider?

Lamar Lending attends to the loan needs of its clients in the Beaumont community. It provides home purchasing, refinancing, and loan program options. The brokerage's team addresses refinancing matters such as fixed-rate loans, monthly payment decreases, cash out, debt payments, and combining the first mortgage with a home equity loan. The brokerage has been aiding clients with their mortgage concerns for more than 15 years. Lamar Lending is affiliated with the Association of Independent Mortgage Experts.

License Verified:

License: 1858718

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 (88)

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
18001 Hwy 105 West Suite 109, Beaumont, TX 77356
  • Multi-Family Loans

Why choose this provider?

Crystal Clear Mortgage assists in the home loan application and refinancing process for clients in Beaumont and neighboring areas. Its team offers VA loans for veterans who meet the requirements to purchase a home they plan to live. In addition, it recommends FHA loans for those with less-than-perfect credit histories, helping them realize their dream of homeownership. Owner and RMLO Bryan Ward has been originating loans for 20 years. He launched Crystal Clear Mortgage with Adam Simmons in 2008.

License Verified:

License: 311686

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
Facebook
5.0 / 5 (101)
Google
5.0 / 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
2182 Hwy 69 N, Nederland, TX 77627
  • New Construction

Why choose this provider?

Open Mortgage Nederland, TX caters to home buyers and owners in Beaumont and the surrounding areas. The company offers various loan programs, including conventional, USDA, FHA, and DPA loans. It also handles VA and rehab loans, cashout refinancing, and reverse mortgages. Its loan process includes educating clients and providing in-person consultations, checking whether they are pre-qualified, submitting and processing applications, and collecting necessary documents and confirming funds. Open Mortgage has been serving clients since 2003.

License Verified:

License: 1042020

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
Facebook
4.6 / 5 (89)
Google
5.0 / 5 (59)
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
2914 Eastex Freeway, Beaumont, TX 77703
  • Commercial Loans

Why choose this provider?

Jeanetta Price is a loan originator working under the Westin Mortgage Group, a full-service lending firm. She caters to borrowers in the Beaumont area, providing them with the information they need to make informed decisions about refinancing their mortgage or financing their homes. Price offers a variety of loan options, such as VA, FHA, USDA, and conventional loans. She navigates borrowers throughout the process, addresses their questions and concerns, and helps them realize their dream of becoming homeowners.

License Verified:

License: 2050814

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 (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.
4.8
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.
  • If you forecast to have trouble with paying your mortgage payments in Beaumont, who may you seek help from?

    Through the Texas Homeowner Assistance Program (TXHAF), income-qualified households in Beaumont can seek help for their financial hardship. They can ask for financial assistance with paying property taxes or insurance, the monthly mortgage, condo/HOA fees, and utility bills on their primary homes. The total amount they can receive is up to $65,000. The program can also assist these households to work with a lender to change into a more favorable loan term. More information can be obtained from the TXHAF by calling 833-651-3874.

  • How can you be eligible for a Home Equity Conversion Mortgage in Beaumont?

    Some of the eligibility requirements for a Home Equity Conversion Mortgage include being 62 years old or more and completing a HUD-approved counseling program. You must be applying for the refinancing of your primary residence in Beaumont and not any vacation home or investment property. In addition, you must be able to pay property taxes, applicable HOA fees, and insurance.

  • Can a foreign national refinance their mortgage in Beaumont?

    Yes, there are lenders that offer home purchase or refinance programs to non-US citizens in Beaumont. However, they can only purchase investment properties, not primary residences, and apply for cash-out refinance. They must live and work in the country that issued their passport to be eligible for the loan. Some of the visa types allowed as foreign nationals are B-1 and B-2, U-1 and J-2, O-2, and P-1 and P-2.

  • Are closings of a home equity cash-out refinance in Beaumont required to be held at a title company?

    Yes. In Beaumont and throughout Texas, there are no options to close a home equity cash-out refinance remotely or through the mail. You must go to the physical address of the lender, title company, or lawyer to sign the documents and conclude the transaction. This is because the state has strict homestead laws under provisions in Section 50, Article 16 (50(a)(6)(N)) of the Texas Constitution.

  • How is recasting different from refinancing in Beaumont?

    Recasting is not taking out a new mortgage, while refinancing is taking out a new one. Unlike refinancing, it may only incur little to no fees and does not require any qualification process. Like refinancing, recasting may enable borrowers in Beaumont to have lower monthly payments and pay less interest during the course of the loan.

  • 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.