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2024

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Best Mortgage Refinance Companies in Cypress

Our Recommended Top 10

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 Cypress 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.

74Reviewed

48Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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

Why choose this provider?

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.

License Verified:

License: 1164470

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 (11)

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

Why choose this provider?

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.

License Verified:

License: 1850

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 (299)
Facebook
5.0 / 5 (15)

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
13615 Kluge Road Ste 100, Cypress, TX 77429
  • Reverse Mortgages

Why choose this provider?

Richard Yeppez is a financial consultant who guides clients through the process of refinancing existing mortgages and buying new properties in the greater Cypress metro. The mortgage professional provides clients with a selection of refinancing options, including FHA, VA, USDA, HomeFundIt, jumbo, and conventional loan programs. The professional also offers Fannie Mae HomeReady, Freddie Mac Home Possible, All In One, and 203K Renovation loans. Richard Yeppez is the regional manager for retail lending at NextMortgage.

License Verified:

License: 1025520

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 (24)

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
9002 F M 1585 Unit G, Cypress, TX 79382
  • Reverse Mortgages

Why choose this provider?

The Texas Mortgage Pros streamlines the lending process for clients in Cypress and the surrounding communities. It offers a variety of loan programs, including FHA, VA, Texas USDA, jumbo, conventional, and refinancing. It assists first-time home buyers and those who are securing loans for commercial real estate. Its loan specialists and processors apply their years of experience in helping clients get loan that is tailored to their situation and expectation. The mortgage company keeps every client's information secure and private.

License Verified:

License: 1744962

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 (30)

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
12075 Spring Cypress Rd, Houston, TX 77377
  • New Construction

Why choose this provider?

Triumph Lending has been offering financial solutions to residents in Cypress since 1998. Its primary goal is to help clients understand how a mortgage works and make informed choices among conventional, government, and jumbo loans. Triumph Lending is a division of Network Funding, giving it the necessary backing to offer the maximum amount and the best possible rates. The company has online tools for clients' convenience but believes the best way to conduct business remains to be through one-on-one interactions.

License Verified:

License: 2297

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.
4.3
Yelp
4.5 / 5 (29)
Google
4.1 / 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
9999 Bellaire Blvd., Suite 700, Houston, TX 77036
  • Reverse Mortgages

Why choose this provider?

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.

License Verified:

License: 129122

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
Yelp
4.9 / 5 (82)
Google
5.0 / 5 (22)

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
15705 Jarvis Road, Cypress, TX 77429
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Cypress Mortgage caters to customers in the metro and nearby areas. It provides loan refinance and cash-out refinance services that help clients consolidate debt. It offers a variety of loan options, including FHA, VA, conventional, and jumbo, with fixed and adjustable rates. It also assists families with construction and permanent loan options for new home and investment property purchases. Cypress Mortgage is headed by Todd Stigall, a loan officer with over a decade of industry experience.

License Verified:

License: 1439418

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
5.0 / 5 (33)
Yelp
1.0 / 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
9601 Jones Road Suite 108, Houston, TX 77065
  • Multi-Family Loans
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Member Home Loan is a credit-union-owned full-service lending firm. It serves individual homebuyers, real estate professionals, and builders in Cypress and the surrounding areas. The company offers different types of mortgage refinancing programs, including cash-out refinance, HomeStyle Renovation, and Refinance-Plus Renovation. It refinances a wide range of loans, from FHA loans to hybrid adjustable-rate mortgages. Member Home Loan has been in business for more than 16 years. The firm can accommodate clients in English and Spanish.

License Verified:

License: 105693

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.
4.7
Google
4.7 / 5 (54)

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.
3.7
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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.

License Verified:

License: 1231852

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 (72)
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
11020 Saathoff Dr, Cypress, TX 77429
  • Reverse Mortgages

Why choose this provider?

Vintage Home Loan, based in Cypress, serves clients across Texas and Florida.  It offers various loan programs for those looking to purchase or refinance a Primary Residence, Second Home, or Investment property.  In this age of economic uncertainty, it offers a variety of loan options to assist clients in leveraging their capital in real estate.  It has a full range of loan programs for savvy and new real estate investors as well as conventional and government loans.

License Verified:

License: 1612458

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 (5)
Google
5.0 / 5 (3)

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
––

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.
  • Why should people consider refinancing in Cypress?

    In Cypress, refinancing can provide funds for home remodeling, addressing home damage, covering adoption expenses, consolidating debt, and managing education costs. Moreover, it offers the chance to enhance your lifestyle, initiate a new business venture, or mark important life events like marriage. Refinancing brings the advantage of customizing your mortgage terms to better suit your current financial objectives and situation.

  • How do you become eligible for a cash-out refinance in Cypress?

    To become eligible for a cash-out refinance in Cypress, you must meet certain requirements, such as maintaining current mortgage payments, having a credit score of 620 or higher, possessing a minimum of 20% home equity, using the property as your primary residence, and maintaining a clean record of no bankruptcies or foreclosures in the past 12 months. It's important to note that certain lenders might have even stricter criteria.

  • How long do you have to wait before refinancing a Texas A6 home equity loan in Cypress?

    After closing, you must wait for 12 months before refinancing a Texas A6 home equity loan in Cypress. Within this time, refinancing is prohibited, but alternatives like settling the loan with cash or selling the property are possible. This waiting period of 12 months is a regulatory requirement that ensures adherence to Texas A6 home equity loan guidelines and limitations.

  • Is it possible to become a homebuyer in Cypress with bad or poor credit?

    Yes, it's possible to become a homebuyer in Cypress even with bad or poor credit. While perfect credit isn't required, challenging financial situations caused by factors like illness, divorce, or temporary unemployment can impact credit. By showing progress over time and rebuilding a favorable credit history, the possibility of qualifying for a mortgage loan is high.

  • When is the right time to refinance your mortgage in Cypress?

    In Cypress, the right time to refinance depends on your individual financial situation, income, budget, loan amount, and changes in interest rates. Refinancing is usually a good choice when mortgage rates are at least 2% lower than your current rate, but even a 1% difference could lead to significant savings. Consulting with a trusted lender can help you determine if refinancing is beneficial for you.

  • 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.