Best Mortgage Refinance Companies in El Paso

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

10821 Gateway Blvd W, Ste 300, El Paso, TX 79935
El Paso, TX 79935

Website(915) 598-7908

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

4.7 / 5 ( Best)

Total Reviews:

31 (Best)

Score Consistency:

Consistent (Best)

7901 N Mesa St, El Paso, TX 79932
El Paso, TX 79932
Instagram
  • 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.

7901 N Mesa St, El Paso, TX 79932
El Paso, TX 79932

InstagramWebsite(800) 687-2265

Show Number
10961 Gateway Blvd W Ste 200, El Paso, TX 79935
El Paso, TX 79935
  • 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.

10961 Gateway Blvd W Ste 200, El Paso, TX 79935
El Paso, TX 79935

Website(800) 759-7224

Show Number
1225 Airway Blvd, El Paso, TX 79925
El Paso, TX 79925
  • 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.

1225 Airway Blvd, El Paso, TX 79925
El Paso, TX 79925

Website(915) 778-9221

Show Number
1344 N Zaragoza Rd, El Paso, TX 79936
El Paso, TX 79936
  • 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.

1344 N Zaragoza Rd, El Paso, TX 79936
El Paso, TX 79936

Website(915) 271-4591

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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.

Online Profiles:

2 (Better)

Average Review Score:

4.9 / 5 ( Best)

Total Reviews:

34 (Best)

Score Consistency:

Consistent (Best)

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

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: --

6070 Gateway East STE 311, El Paso, TX 79905
El Paso, TX 79905
Instagram
  • 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.

6070 Gateway East STE 311, El Paso, TX 79905
El Paso, TX 79905

InstagramWebsite(915) 540-5788

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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.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

73 (Best)

Score Consistency:

Consistent (Best)

300 Thunderbird Drive, Suite 1, El Paso, TX 79912
El Paso, TX 79912
  • 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.

300 Thunderbird Drive, Suite 1, El Paso, TX 79912
El Paso, TX 79912

Website(915) 525-3053

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

78 (Best)

Score Consistency:

Consistent (Best)

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

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

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

1473 N. Lee Trevino, El Paso, TX 79936
El Paso, TX 79936

Website(915) 920-7223

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

12 (Better)

Score Consistency:

Consistent (Best)

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

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

11380 Montwood Ste A6-A9, El Paso, TX 79936
El Paso, TX 79936
Instagram
  • 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.

11380 Montwood Ste A6-A9, El Paso, TX 79936
El Paso, TX 79936

InstagramWebsite(915) 422-3211

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

9 (Good)

Score Consistency:

Consistent (Best)

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

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

Website(915) 921-1003

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

4 (Good)

Score Consistency:

Consistent (Best)

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

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: --

2505 East Missouri Avenue, El Paso, TX 79903
El Paso, TX 79903
  • 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.

2505 East Missouri Avenue, El Paso, TX 79903
El Paso, TX 79903

Website(915) 757-9500

Show Number

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

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

7362 Remcon, El Paso, TX 79912
El Paso, TX 79912
  • 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.

7362 Remcon, El Paso, TX 79912
El Paso, TX 79912

Website(915) 478-1157

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

51 (Best)

Score Consistency:

Consistent (Best)

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

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

1155 Westmoreland Drive, El Paso, TX 79925
El Paso, TX 79925
  • 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.

1155 Westmoreland Drive, El Paso, TX 79925
El Paso, TX 79925

Website(915) 276-7629

Show Number

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.

Online Profiles:

3 (Best)

Average Review Score:

4.9 / 5 ( Best)

Total Reviews:

139 (Best)

Score Consistency:

Consistent (Best)

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

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

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

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

Website(512) 364-3171

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

34 (Best)

Score Consistency:

Consistent (Best)

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

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

500 N Mesa St, El Paso, TX 79901
El Paso, TX 79901
  • 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.

500 N Mesa St, El Paso, TX 79901
El Paso, TX 79901

Website(915) 532-1000

Show Number

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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