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Best Mortgage Refinance Companies in El Paso

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Capital farm Credit El Paso logo

Capital farm Credit El Paso

10821 Gateway Blvd W, Ste 300, El Paso, TX 79935
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  • New Construction

Capital Farm Credit El Paso offers home loan refinancing services in the metro. Its lending specialists finance metal homes, help retain ag tax valuation for some properties, and do not restrict on the basis of acreage. It also provides FHA, second-home, construction, and purchase loans inside or outside the city limits. Capital Farm Credit El Paso has been in the industry since 2006. The firm also provides risk management solutions like multi-peril and crop hail insurance.

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City Bank logo

City Bank

7901 N Mesa St, El Paso, TX 79932
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  • Reverse Mortgages
  • NMLS #: 39166

Headquartered in Lubbock, City Bank has 28 branches across Texas and New Mexico, serving personal and business customers since 1941. Its mortgage consultants can help homeowners reduce the term of their mortgage or monthly payments with various refinancing programs. Current and ex-military personnel can access VA loans with no down payments, customers with imperfect credit can apply for FHA loans, and low-income homeowners in rural areas can benefit from the competitive rates applied to USDA loans.

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First Community Mortgage logo

First Community Mortgage

10961 Gateway Blvd W Ste 200, El Paso, TX 79935
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  • Reverse Mortgages
  • NMLS #: 39166

A division of First National Bank Texas, First Community Mortgage has been serving El Paso and surrounding areas since 1988. It assists homeowners who wish to refinance their mortgages to save money with shorter loan terms or lower interest rates. The company offers a number of mortgage programs, including VA, FHA, and USDA loans. A full-service company, First Community Mortgage has internal loan processing, underwriting, and closing departments to speed up the process.

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GECU logo

GECU

1225 Airway Blvd, El Paso, TX 79925
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  • Reverse Mortgages

GECU is an El Paso-based credit union with 25 branches and over 394,000 members limited to the counties of El Paso, Hudspeth, and Doña Ana. Its financial packages include mortgage refinancing, where the union's staff can help members apply for loans to reduce their monthly payments and possibly save money. GECU specializes in three types of loans, FHA, which can help those with imperfect credit, VA, for past and present members of the military, and its most popular option, conventional.

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Gracie Estep logo

Gracie Estep

1344 N Zaragoza Rd, El Paso, TX 79936
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  • Multi-Family Loans

Gracie Estep is a loan officer affiliated with Town Square Mortgage. She caters to the El Paso metro and the surrounding communities. She assists individuals who own different types of residential properties such as condominiums, single- and multi-family homes, and townhouses by offering mortgage refinance options. These programs allow homeowners to cash out, change the length of loans, and lower their interest rates and monthly payments. Some of the loans Gracie provides are conventional, FHA, USDA, and VA.

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Home Plate Mortgage logo

Home Plate Mortgage

6070 Gateway East STE 311, El Paso, TX 79905
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  • New Construction

Home Plate Mortgage is an El Paso-based company that caters to local clients and those in its surrounding locations. Its staff specializes in the provision of different mortgage types for refinancing purposes, including VA, USDA, FHA, and conventional loans, for lowered interest rates and cash-outs. Its consultants are available for discussions concerning the loan process and other factors such as changes in interest rates and market guidelines. The company's owner, Gilbert Madrid, has been working as a residential loan originator for more than 10 years.

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Insight Mortgage Company logo

Insight Mortgage Company

300 Thunderbird Drive, Suite 1, El Paso, TX 79912
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  • New Construction

Insight Mortgage Company works with El Paso residents who need loan and refinancing options. These products range from mortgages with 15 or 20-year fixed periods to jumbo, FHA, and USDA loans. The team restructures debts to obtain more favorable rates and terms. It maintains online tools such as pre-approved letters and calculators that provide preliminary information before meeting an advisor. Insight Mortgage Company has been in service for 20 years and has clients in the military sector.

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Marquis Mortgage, LLC logo

Marquis Mortgage, LLC

1473 N. Lee Trevino, El Paso, TX 79936
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  • Commercial Loans

Marquis Mortgage, LLC, caters to clients in the El Paso metro and the surrounding areas. It assists homeowners who are looking to refinance their mortgage. It also provides other types of loans, such as cash-outs, purchases, and rehabs. Its team walks the clients throughout the process, including application, appraisal, site visit, approval letter issuance, document preparation, and funding. Marquis Mortgage brings more than 10 years of experience in the industry. It is a member of the El Paso Hispanic Chamber of Commerce.

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Mortgage Coach TX logo

Mortgage Coach TX

11380 Montwood Ste A6-A9, El Paso, TX 79936
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  • New Construction

Mortgage Coach TX is a firm serving El Paso and its surrounding communities. It assists investors and homebuyers in navigating through debt consolidation, mortgage processes, and financial literacy. Oliverio Perez, the company's mortgage loan originator, is an investment consultant and financial advisor who uses his background as an accountant and expertise working for a tax lawyer to assist his clients today. As a bilingual in English and Spanish, he maintains open communication with individuals to coach them in getting pre-qualified or creating future wealth.

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My Home Loans logo

My Home Loans

1473 Lee Trevino Dr., Ste B, El Paso, TX 79936
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  • New Construction

My Home Loans is a family-owned business helping clients in El Paso and surrounding areas realize and afford their dream homes. It helps future homeowners match with the right home loans, including FHA, conventional, and VA loans. Clients can also opt for refinancing existing home mortgages to lower interest rates, shorten terms, and change loan types. My Home Loans also offers home equity loans that can be used for home improvements, debt consolidation, or property purchases.

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Patriot Mortgage logo

Patriot Mortgage

2505 East Missouri Avenue, El Paso, TX 79903
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  • Reverse Mortgages
  • NMLS #: 39166

Patriot Mortgage is a mortgage refinance company located in El Paso. Its team of mortgage professionals helps individuals and families achieve their dream of owning a home. They guide clients in every step of the mortgage process and educate them about the different types of home loan programs. Patriot Mortgage is FHA, VA, and USDA-approved underwriters and can also provide clients originate purchase and refinance loans. A conventional loan is also an option for borrowers. The firm's professionals can also cater to Spanish-speaking clients.

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ReAnn Gonzalez logo

ReAnn Gonzalez

7362 Remcon, El Paso, TX 79912
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  • New Construction

ReAnn Gonzalez is a residential mortgage loan originator with Edge Home Finance Corporation serving El Paso and its surrounding communities. She conducts discussions with clients to help them shop for different mortgage options whether they are investors, refinancing homeowners, first-time homebuyers, or move-up and second-home buyers. ReAnn keeps customers up to date on the loan process by immediately responding to emails and phone calls. She also provides assistance to execute and accomplish the closing process in a timely manner.

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Sun City Home Loans logo

Sun City Home Loans

1155 Westmoreland Drive, El Paso, TX 79925
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  • Reverse Mortgages
  • NMLS #: 39166

Based in El Paso, Sun City Home Loans uses mortgage refinance tools to help clients obtain mortgage plans that match their goals. The company assists them in achieving homeownership and financial goals by providing its expertise to them throughout the refinancing process. It offers clients mortgage refinancing options based on various criteria and compares mortgage interest terms and rates on their behalf. In addition, Sun City Home Loans works with them in getting approved for fixed rates, adjustable rates, jumbo loans, and super jumbo loans.

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The Francisco Mortgage Team logo

The Francisco Mortgage Team

221 N. Kansas St., Suite 700, Rm. 722, El Paso, TX 79901
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  • New Construction

The Francisco Mortgage Team offers various loans and refinancing arrangements to consumers in El Paso. The firm works with first-time homebuyers and repeat purchasers by delivering conventional, FHA, and jumbo loan products with fixed and variable rates. The team also consolidates debts and rearranges payment terms to reduce the burden on its clients. The office employs bilingual loan officers to transact business with Spanish-speaking customers. Its clientele extends to military service personnel covered by Veterans Affairs.

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WestStar Bank logo

WestStar Bank

500 N Mesa St, El Paso, TX 79901
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  • Reverse Mortgages

Homeowners looking for a lender who provides home mortgage refinance in El Paso and the Borderplex area could consider WestStar Bank, a local commercial bank whose history goes back to 1920. Its residential lending department can help borrowers take advantage of lower interest rates with its conventional loans. These can be offered with fixed rates over periods spanning 15 to 30 years, and adjustable-rate loans, with fixed-rate payments from one to seven years.

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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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