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2024

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Best Mortgage Refinance Companies in Houston

Our Recommended Top 9

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 Houston 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.

1177

Reviewed

709

Curated

9

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
8900 Eastloch Drive, Spring, TX 77379
  • NMLS #: 39166

Why choose this provider?

Morton Mortgage, Inc., is a mortgage company serving the Greater Houston area. It offers a variety of mortgage refinance options, including conventional loans, FHA, VA, and refinance loans. Renee Morton, the owner of the firm, brings vast knowledge and problem-solving skills when assisting clients in every step of the loan process. He and the other professionals at the company carry more than 50 years of combined experience and are dedicated to finding the loan options that would best suit clients' situations and needs.

License Verified:

License: 1443146

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 (77)
Yelp
5.0 / 5 (9)
Facebook
5.0 / 5 (2)

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 State Hwy 249, Ste 210, Houston, TX 77070
  • Reverse Mortgages
  • NMLS #: 39166

Why choose this provider?

Texas FHA Home Loans specializes in home mortgage refinance in Houston and the surrounding cities. The company is a private FHA-approved lender that originates, processes, underwrites, and funds FHA loans, enabling quicker and more efficient transactions. It can offer low down payments and provide loans to clients whose credit rating could see them rejected by other mortgage providers. It accepts credit scores as low as 580 and can close a loan agreement within 30 days. The company assigns a dedicated FHA loan specialist who works with the client throughout the process. Texas FHA Home Loans is a designated Full Eagle FHA mortgage lender.

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.
4.0
Google
4.0 / 5 (29)
Facebook
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
815 Hawthorne Street, Houston, TX 77006
  • NMLS #: 39166

Why choose this provider?

Republic State Mortgage is a full-service mortgage refinancing company established in 1994 by Paulina McGrath and Robert Wagnon. Serving Houston and the surrounding areas, it offers home lending options and various loan types, including conventional, investor, rural development, second mortgage, and FHA mortgage loans. The company helps clients in lowering their monthly payments, shorten their mortgage, and consolidate their debt. It also evaluates the client's financial situation to determine the best option that fits their needs.

License Verified:

License: 62411

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 (330)
Yelp
3.5 / 5 (3)
Facebook
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
5959 West Loop South, Bellaire, TX 77401
  • NMLS #: 39166

Why choose this provider?

Established in 2007, HomeStart Capital is a mortgage refinancing company serving clients in Houston. Owner Daniel Jara and his team of mortgage lenders carry over 20 years of combined experience in the industry. They help clients achieve their financial goals by providing various loan programs, including jumbo loans, refinance mortgages, and foreign national lending. The team also assists clients in lowering their interest rates and payments and consolidating debt obligations. Moreover, HomeStart Capital assists first-time homebuyers and provides options for new construction loans.

License Verified:

License: 329177

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 (129)
Facebook
5.0 / 5 (81)

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
11111 Katy Freeway, Houston, TX 77043
  • NMLS #: 39166

Why choose this provider?

Noble Mortgage & Investments in Houston is a mortgage refinancing company serving individuals and commercial clients since 1995. Owner Darel Daik is a residential mortgage loan originator, designing loan programs that correspond to the client's project goals and situation. Daik and his team offer residential hard money, rental property, conventional and FHA, and new construction loans. They also arrange refinancing services for various properties, including residential, multi-family, single-tenant, and offices. Moreover, the company works with educational facilities, title companies, property management companies, and wholesalers.

License Verified:

License: 292143

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 (252)
Facebook
5.0 / 5 (36)
Yelp
5.0 / 5 (2)

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
9720 Cypresswood Drive, Houston, TX 77070
  • NMLS #: 39166

Why choose this provider?

PrimeLending - Champion Forest is a Houston-based business that assists clients in applying for and refinancing loans. The company offers an array of loan options, including FHA loans, VA loans, fixed-rate loans, and refinancing options. The company employs a simplified loan processing system called Loanplicity where most of the client input can be done online through mobile and desktop platforms. Using Loanplicity, PrimeLending's staff can also keep clients updated on the status of their loan as well as address any issues and questions the client has.

License Verified:

License: 1608594

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
Yelp
5.0 / 5 (7)
Google
5.0 / 5 (6)

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
1177 West Loop South, Houston, TX 77024
  • NMLS #: 39166

Why choose this provider?

Cornerstone Home Lending, Inc., is a national home lending company founded in 1988, serving clients in the Houston area. The company provides a wide variety of loan products, including Fannie Mae, Freddie Mac, FHA, VA, and USDA. Other offerings include fixed-rate, adjustable-rate, and jumbo. It has over 300 loan officers and is currently licensed to lend in 40 states. Cornerstone Home Lending has won the Texas Mortgage Bankers Association Pinnacle Award for 10 years in a row.

License Verified:

License: 2258

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.
3.8
Google
4.9 / 5 (44)
Yelp
1.5 / 5 (21)

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
1322 Space Park Drive, Houston, TX 77058
  • NMLS #: 39166

Why choose this provider?

My Mortgage Ace is a mortgage company located in Houston. With a focus on refinancing, the firm guides clients through steps that include lowering the monthly payment, cashing out equity, dropping private mortgage insurance, and consolidating debt. It provides options for conventional loans such as fixed-rate and adjustable-rate loans. Moreover, the company offers high balance conforming loans and non-conforming loan options. The head of the company, Laura Harris, focuses on financing condos, jumbos, and self-employed borrowers.

License Verified:

License: 1763641

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 (6)

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
––

Website
3334 Richmond Avenue, Houston, TX 77098
  • NMLS #: 39166

Why choose this provider?

Main Street Mortgage Company is a team of loan advisors located in Houston. They offer assistance regarding a full range of programs, covering refinancing options such as home equity, jumbo, and conventional loans. In addition, the mortgage specialists serve clients' lot and construction financing needs through specialty programs like one-time close renovation, home improvement, and farm and ranch loans. Main Street Mortgage Company has been working with individuals, families, and real estate professionals since 1997.

License Verified:

License: 296814

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
Facebook
4.6 / 5 (11)
Yelp
4.0 / 5 (11)
Google
5.0 / 5 (4)

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.
  • When can you apply for a cash-out refinance mortgage in Houston?

    To be eligible for a cash-out refinance mortgage in Houston, you need to have had an existing mortgage loan for at least six months. You will also be prohibited from applying for a new cash-out refinance if it's only been a year since your last one. There is also a 12-day cooling or waiting period, which basically means you cannot close on a property until 12 days have passed since you made the application.

  • What is the ideal debt-to-income ratio to be approved for a mortgage in Houston?

    When applying for a mortgage in Houston, lenders consider an individual's debt-to-income ratio to evaluate their financial health and risk. From a lender's perspective, borrowers with a lower DTI show that they can handle monthly mortgage payments better than those with a higher DTI. Lenders favor borrowers with a DTI of 36% or less. This means that a person's total housing expenses, including insurance, HOA fees, and mortgage and property taxes, should not exceed 36% of their total debt.

  • Can the spouse of a veteran or service member apply for a VA loan in Houston?

    Yes, the spouse of a veteran or service member can apply for a VA loan in Houston. For the spouse to qualify for a VA loan, his/her spouse should have been a service member who died of military-related causes. Another qualification is that his/her spouse should have been a service member who was missing in action or a prisoner of war for at least 90 days. Also, the surviving spouse of the service member should not have remarried.

  • Is there a limit to the amount you can borrow on a jumbo loan in Houston?

    This 2023, the jumbo loan limit set in all counties of Texas is $726,200, and any loan less than this amount is considered a conforming loan. In Houston, jumbo loans are a type of mortgage that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. This type of mortgage is often used to purchase higher-end or luxury properties.

  • Are FHA loans in Houston assumable?

    Yes, in Houston, FHA loans are assumable because government-backed loan options, including FHA, allow assumable mortgages. This permits homebuyers to take over a seller's mortgage. This offers first-time homebuyers with credit limitations a chance at homeownership. Assumable mortgages offer lower interest rates. They are often less costly for a buyer than applying for a new mortgage. Note that lenders will still need to determine if the person assuming the loan possesses good credit and if they have an ideal debt-to-income ratio.

  • 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.