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Best Mortgage Refinance Companies in Cypress

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AmCap Home Loans logo

AmCap Home Loans

9999 Bellaire Blvd., Suite 700, Houston, TX 77036
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  • Reverse Mortgages

AmCap Home Loans provides a variety of refinancing solutions throughout Cypress. It is led and managed by Jeff Caballero, who has closed at least 60,000 loans throughout the course of his three-decade career. He and his team use their combined years of experience and knowledge drawn from various industry-based resources to educate applicants on the processes behind refinancing, debt consolidation, and home buying. Outside of their work, they support different charitable organizations like the Mighty Oaks Foundation and Soles 4 Souls.

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Cypress Mortgage Pro logo

Cypress Mortgage Pro

16718 House Hahl Rd Ste H, Cypress, TX 77433
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  • New Construction

Cypress Mortgage Pro deals with clients across the metro. The company takes on individuals seeking to decrease their mortgage rates and guides them through the refinancing process. It has experience changing the terms of VA, USDA, and FHA loans. It also helps homeowners whose properties have been damaged by major disasters obtain an FHA 203(h) loan. The company runs a blog to educate individuals on a range of topics, from homeownership benefits to housing market trends.

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Dream Home Lending logo

Dream Home Lending

19500 Texas State Highway 249 Ste 100, Houston, TX 77070
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  • Reverse Mortgages

Dream Home Lending is a Houston-based agency that serves the Cypress area, including Spanish-speaking clients. Its team employs a comprehensive approach by comparing existing loan programs with different refinancing options and assessing financial changes and credit scores throughout the application process. It offers access to extensive resources that help educate applicants on the factors and details behind each loan and refinancing program. It also processes and secures requirements for specific loan applications, including tax return statements, relocation agreements, and deeds of trust.

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H Mortgage logo

H Mortgage

9806 Mesa Point Ct, Houston, TX 77095
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  • New Construction
  • Reverse Mortgages

H Mortgage is a team of loan specialists serving Cypress and its neighboring communities. For clients looking to obtain cash from home equity, reduce monthly payments, consolidate debt, or shorten mortgage terms, they provide various refinancing options, including adjustable-rate and fixed-rate mortgages. In addition, they help veterans obtain VA loans to fund home builds and renovations. Home equity loans are also available. H Mortgage is owned by Edward Foy, who started working in the industry in 2003.

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Stephanie Drewry logo

Stephanie Drewry

16718 House Hahl Rd H, Cypress, TX 77433
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  • New Construction

Stephanie Drewry provides refinancing assistance from her location in Cypress. The mortgage advisor, who is affiliated with Modern Mortgage Pro, offers different options for residents in and near the area who are looking to refinance mortgages. These include conventional, FHA, and VA loans, which are fixed 30-year mortgages. Her other products include bank statement loans and conventional, fixed-rate, and adjustable-rate mortgages. In addition, Stephanie educates home buyers about their loan options, helping them make informed decisions.

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Vogler Mortgage logo

Vogler Mortgage

118 Vintage Park Blvd., Suite W700, Houston, TX 77070
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  • Purchase
  • Refinance
  • Jumbo Loans
  • New Construction
  • Reverse Mortgages

Vogler Mortgage provides services to clients across Cypress and the surrounding areas. Its team guides individuals who wish to refinance their mortgage loan programs to change their term length, reduce interest rates, and lower monthly payments. It also serves clients needing FHA, USDA, VA, jumbo, and super jumbo loan options to purchase their first or second homes. It also assists clients throughout the home loan process, focusing on completing pre-approval letter requests and comparing mortgage interests. Its owner, Ben Vogler, brings 29 years of industry experience including being the Past President of the Texas Association of Mortgage Brokers.

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Frequently Asked Questions

Q: What should you expect when refinancing a mortgage?

A: When refinancing a mortgage, expect to answer a lot of questions and provide documentation to back up your answers. You'll may also pay fees and closing costs of around $5,000. Additionally, expect to start over in terms of building home equity, because refinancing takes the amortization process back to the beginning.

Q: How often should you refinance your mortgage?

A: There is no recommended frequency for refinancing a mortgage. How often you should refinance is determined by when it will save you money. If you can get better terms on your mortgage by refinancing, then it’s a good time to take action.

Q: Can you refinance a first mortgage and not a second?

A: You can refinance your first mortgage and not the second one, but it can be difficult. You have to get the lender of your second mortgage to agree to the refinancing. The process is called resubordination, and some home equity lenders won’t agree. Additionally, lenders typically charge extra fees to resubordinate a loan.

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