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Best Mortgage Refinance Companies in Garland

2024

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Website
8350 N Central Expy Suite 1900, Dallas, TX 75206
  • Reverse Mortgages

Why choose this provider?

Best Suited Mortgage helps residents in and around Garland secure refinancing loans. Its team of loan officers helps homeowners get lower monthly payments, pay loans faster, cash out, switch from adjustable rates to fixed rates, and consolidate debts through refinancing. Best Suited Mortgage also provides conventional, FHA, renovation, USDA, and VA home loans. The company believes in treating first-time home buyers with the same efficiency as it does its high-net clients.

License Verified:

License: 1966323

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 (40)

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
4001 McEwen Rd. Ste 420,, Dallas, TX 75244
  • New Construction

Why choose this provider?

USA Mortgage Group serves residents of Garland who need refinancing and loan services. The team has government-supported options covered by the FHA and VA. Conventional products are also available. The group uses online account management tools to facilitate transactions. Its agents rearrange existing loans into more manageable obligations with less burdensome terms and conditions. USA Mortgage Group's staff has over five decades of combined mortgage experience. The company has ties with lenders across the country.

License Verified:

License: 224642

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 (160)
Google
4.9 / 5 (155)

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
3120 Hudson Crossing, Suite #D2, McKinney, TX 75070
  • New Construction

Why choose this provider?

Larry Le is a loan officer serving Garland individuals hoping to refinance their credit obligations. Le accommodates requests for refinancing analysis, proposes options based on clients' unique scenarios, and customizes quotes for rate comparison. His recommended programs seek to cut rates, shorten terms, or take out cash from home equities. As a certified veteran mortgage advisor, Le conducts individual or group coaching to help homebuyers understand the mortgage process and how they can qualify. He also finds funding solutions for new home purchases and upgrades.

License Verified:

License: 1440741

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 (26)

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
1401 N US 75-Central Expy 1000 Suite 100, Richardson, TX 75080
  • Reverse Mortgages

Why choose this provider?

Mercantile Mortgage is a company that helps homeowners in Garland avail of refinancing loans. It offers refinancing programs for single-family, multi-family, condominiums, townhouses, and manufactured homes, helping clients get lower monthly payments, shorter loan terms, or cash through equity. The company, which believes in providing its clients with the lowest rates and closing costs, also offers fixed-rate, adjustable-rate, FHA, VA, interest-only, reverse mortgage, and graduated payments loans. In addition, it has Hybrid ARMs with one-, five-, seven-, and 10-year terms.

License Verified:

License: 1657876

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 (33)
Facebook
5.0 / 5 (12)

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
1255 W 15th St #470, Plano, TX 75075

Why choose this provider?

Mike Kapp is a residential mortgage advisor who conducts refinancing solutions for homeowners in Garland. He and his team at Blue Sky Lending design refinancing options for goals like amortization reduction, equity cash out, and mortgage early payment. They personalize each client's refinancing experience by analyzing needs and providing reports on market trends so that every individual can make informed decisions. Kapp started his mortgage career in early 1999 and has been featured on FOX 4 NEWS as an industry advisor.

License Verified:

License: 267134

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)
Facebook
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
12160 Abrams Rd., Ste 411, Dallas, TX 75243
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Dina Pierson is a loan officer who caters to the needs of clients in Garland. She offers a wide variety of loan programs for refinancing and purchasing purposes under the company Supreme Lending. Pierson provides traditional loan types like conventional and jumbo, as well as government options such as FHA and VA. She also handles adjustable and fixed amortization rates. In addition, she works with specialty loans like first-time homebuyer programs. Supreme Lending was established in 1999.

License Verified:

License: 195695

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 (332)
Facebook
4.9 / 5 (45)

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
14114 Dallas Pkwy, Suite #160, Dallas, TX 75254
  • Reverse Mortgages

Why choose this provider?

Texas Pride Lending is a mortgage brokerage firm serving clients in Garland. The company offers mortgage refinancing programs tailored to borrowers' needs, such as lower monthly payments, debt consolidation, shorter loan terms, or home equity cash-out. Its mortgage specialists walk clients through the refinancing process, from note structuring to loan closing. The team—led by Dodd-Frank expert Sarah Montes—has over 10 years of loan origination experience, specializing in owner finance. The company's employees are all bilingual, speaking both English and Spanish.

License Verified:

License: 1479522

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.
4.6
Facebook
5.0 / 5 (6)
Google
4.2 / 5 (5)

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
3960 Broadway Blvd. Suite 107, Garland, TX 75043
  • New Construction

Why choose this provider?

August REI, LLC, offers mortgage refinancing to Garland residents and provides options for integrated loan servicing. The company is an intermediary entity between lenders and borrowers that conducts monthly payment processing, collection, and statements. It offers homeowner insurance implementation and correction, deferred payment and workout programs, and loan modifications. It also provides credit reporting and escrow fund management and account analysis. The company has been operating for 12 years and aims to be a one-stop shop for loan servicing.

License Verified:

License: 1446400

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 (497)
Yelp
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

Website
937 Sir Constantine, Lewisville, TX 75056
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Austin Winans is a loan advisor at Castle Hills Mortgage who serves prospective homeowners in Garland. He assists clients by providing mortgage refinance products to lower their interest rates and monthly payments. An analysis request is offered to start the process of choosing the loan program that matches specific preferences and goals. Home loan options include ARM, fixed rates, USDA, FHA, and VA. Austin has over a decade of experience in the real estate field.

License Verified:

License: 2001451

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 (2)

Website
4100 Alpha Road, Suite 300, Dallas, TX 75244
  • New Construction

Why choose this provider?

Aspire Lending caters to clients in the Garland metro. It offers refinancing options to help them lower their interest rates and payment and reduce their terms. Other loan options offered are cash out, VA, FHA, USDA, and jumbo. Calculators for home equity, purchasing, and refinancing are also available for use on its website. A client praised Aspire Lending's team for providing them with answers that made sense. The company has been in the mortgage industry for more than 19 years.

License Verified:

License: 137773

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.
4.4
Google
4.7 / 5 (71)
Yelp
1.0 / 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

Website
5220 Spring Valley Road Suite 602, Dallas, TX 75254
  • Reverse Mortgages

Why choose this provider?

Reliance Mortgage Company is a Dallas-based enterprise that offers mortgage refinancing programs to Garland. It assists in renegotiating home loan credits and expanding assets through equity cash out. Its loan officers conduct home evaluations and provide financing cost estimates to develop home loan systems that complement clients' situations. The company works with a variety of lenders and financial institutions, helping borrowers save time and resources through its connections and expertise in documentation and processing. Residential Mortgage Loan Originator, Michael Anderson, established the company in 1989.

License Verified:

License: 370420

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 (8)
Yelp
5.0 / 5 (5)

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
3130 N. Shiloh Rd, Garland, TX 75044
  • New Construction

Why choose this provider?

Loan Java is a mortgage company that offers refinancing services to people in Garland. It assists borrowers in accessing programs that fit their needs, such as lower interest rates, reduced monthly payment, debt consolidation, home improvement, and cash out. In addition to refinancing solutions, it offers FHA, VA, USDA, and jumbo loan plans. Loan Java's mission is to secure and help clients conquer challenges that may arise in the loan process through honest and constant communication.

License Verified:

License: 1996720

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 (151)

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

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.
  • Does Garland have a minimum credit score requirement for home refinancing?

    A credit score of 620 or higher is required in Garland to be eligible for a house mortgage. Even those with lower credit scores may be approved for a conventional or government-backed mortgage, but FHA cash-out refinance options are not available in this case. Therefore, the applicant still needs to have a higher credit score to qualify.

  • How does refinancing affect someone's credit score in Garland?

    Refinancing can have a slight initial impact on someone's credit score in Garland, but it could be beneficial over time. The process of refinancing has the potential to substantially reduce the debt balance or the monthly payment amount, both of which are favorable from a lender's perspective. A temporary decrease of a few points in the credit score is common after refinancing, but this dip is usually short-lived and can recover within a matter of a few months.

  • How do cash-out refinances for an investment property and primary residence in Garland vary?

    The process of seeking a refinance mortgage for an investment property in Garland contrasts with refinancing a primary residence in several distinct manners, including:

    • Increased costs: The expenses associated with refinancing an investment property are typically higher.
    • Stringent eligibility criteria: The eligibility prerequisites for investment property refinancing are more rigorous.
    • Minimum credit score: A credit score of 640 or above is required.
    • Elevated interest rates: Interest rates tend to be higher for investment property refinancing.
    • Greater equity requirement: A more substantial amount of equity is necessary to meet the loan-to-value ratio (LTV) criteria.
  • Is there a limit to how many times someone can close a cash-out refinance loan in Garland?

    No, there is no time limit to how many times someone can close a cash-out refinance loan in Garland, as mandated by The Texas Constitution. However, the law permits homeowners to take out equity from their homes once a year via a cash-out refinance deal. The homeowner may be allowed to withdraw equity more frequently if the house is an investment property.

  • What documents are needed to finalize a refinance in Garland?

    Finalizing a refinance in Garland requires specific documents: a valid ID for identity verification, a cashier's check covering closing costs, and the closing disclosure from the lender outlining financial details. These elements ensure a smooth process, validating accuracy and commitment to closing. Understanding the closing disclosure empowers informed decisions and safeguards the interests of borrowers.

  • 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.