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2024

Last updated:

Best Mortgage Refinance Companies in Irving

Our Recommended Top 19

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 Irving 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.

142Reviewed

92Curated

19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
4425 W. Airport Fwy Suite 510, Irving, TX 75062
  • Reverse Mortgages

Why choose this provider?

Guidance Residential caters to home buyers in Irving and the surrounding communities. It helps clients acquire single-family homes, townhouses, condominiums, and multi-units. The company offers an array of loan options, which include conforming jumbo and home affordable refinance programs. Its agents also assist sellers in marketing their investment properties by providing them with property listing solutions. Guidance Residential has been in the industry for more than two decades. It has been featured on CNN, The Wallstreet Journal, and The New York Times.

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 (146)

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
2911 Turtle Creek Blvd #300, Dallas, TX 75219
  • Multi-Family Loans

Why choose this provider?

U.S. Lending Partner is a full-service business that caters to home buyers in Irving and nearby areas. It helps clients acquire their dream investment properties by providing them with a selection of mortgage rate options. The enterprise processes interest-only, adjustable ARM, graduated payment, and fixed-rate mortgages. Its agents also offer jumbo, conventional, USDA, VA, and FHA home loan programs. The company accommodates self-employed borrowers. Its mortgage loan originator, Reginald Cole, has been in the industry for over three decades.

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
Facebook
4.9 / 5 (48)
Google
4.8 / 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
106 Decker Drive, Irving, TX 75062
  • Multi-Family Loans

Why choose this provider?

Noble Mortgage & Investments, LLC is a real estate lender for both commercial and residential properties in Texas. Noble has offices in the Irving and Houston area. Founder Darel Daik focuses on simplifying the lending process with the company's asset-based loans which offer up to 100% financing for residential properties. Noble Mortgage & Investments offers short-term loans to investors to buy and rehabilitate properties for flips/rentals, cash-out loans for investors, new construction loans for builders and commercial loans. Noble also offers more traditional conventional capital for long-term investors as well as no-income documentation loans. The company considers property types such as residential, single-tenant, multi-family, retail, and office.

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 (39)
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
701 Commerce Street Suite #609, Dallas, TX 75202

Why choose this provider?

Founded in 2020, Mortgage On A Mission helps clients in Irving and the surrounding areas achieve their homeownership goals. It offers mortgage refinancing advice and programs for homeowners and homebuyers who want to lower their interest rates. Owner Ben Strube, a mortgage broker with banking industry experience, educates real estate agents on writing a stronger mortgage offer for clients. He is a member of the Association of Independent Mortgage Experts. His brokerage provides a mortgage calculator to help clients project their potential expenses.

License Verified:

License: 2014212

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)

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
13355 Noel Road, Dallas, TX 75240
  • NMLS #: 39166

Why choose this provider?

Almost 15 years ago, D&H Lending, Inc., started as a family-run mortgage brokerage in Irving. This locally owned company specializes in arranging mortgages and providing funding solutions for clients who want to purchase a home or refinance it. The company offers mortgage refinancing, which effectively replaces a homeowner's current home loan with an updated one with better interest rates or lower monthly payments. This allows homeowners to switch their loans from adjustable-rate to fixed-rate. The firm's loan options include conforming, USDA, VA, and FHA loans.

License Verified:

License: 329429

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 (101)
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
4425 West Airport Freeway, Irving, TX 75062
  • Reverse Mortgages
  • NMLS #: 39166

Why choose this provider?

Petra Mortgage is a home loan and mortgage refinance company serving clients in the Irving area. Its professionals carry extensive knowledge in the residential lending industry and aim to guide the clients throughout the mortgage loan selection process. They offer various loan programs, such as conventional, refinancing, USDA, FHA, and VA loans, in addition to first-time homebuyers, reverse, and HARP loans. Furthermore, Petra Mortgage's website offers a wide selection of calculators and tools, including amortization and debt consolidation calculator.

License Verified:

License: 1425955

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
Facebook
5.0 / 5 (24)
Google
4.7 / 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
Grapevine, TX
  • Multi-Family Loans

Why choose this provider?

Gregory Fischer Ulrich, who serves residents in and around Irving, has been a mortgage professional under Fairway Independent Mortgage since 2007. He helps homeowners switch from an adjustable rate to a fixed-rate loan through refinancing. He helps homeowners obtain new mortgages to lower interest rates, reduce monthly payments, or access cash from home equity. Ulrich also provides loan options, including USDA, conventional, and jumbo loans, for homebuyers. He has been working in the mortgage industry for nearly 30 years.

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.
3.9

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
320 Decker Dr., Irving, TX 75062
  • Reverse Mortgages

Why choose this provider?

Sunrise Mortgage Services LLC caters to clients in the Irving metro and the surrounding areas. It offers mortgage refinancing options, which allow homeowners to cash out equity, consolidate debts, drop private mortgage insurance, and lower their monthly payments. The firm also aids with getting conventional, foreign national, non-QM, FHA, USDA, and VA loans. It helps seniors draw upon the equity of their homes by providing reverse mortgages. Khannah Josue, the company's founder, brings more than 15 years of experience in the industry.

License Verified:

License: 2154784

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 (9)
Google
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
5215 N O'Connor Blvd, Ste 1100, Irving, TX 75039
  • New Construction

Why choose this provider?

Since 1999, Uptown Funding has been providing residential and commercial mortgage refinancing to clients in Irving and the nearby areas. It offers an array of loan programs, including fixed and adjustable rates, Hybrid ARMs, HARP 2.0, FHA, and VA. Clients may also opt for interest-only or reverse mortgages. Its team also helps business loans for multifamily, mobile home communities, self-storage, mixed-use, office, retail, and industrial properties. The organization donates 10% of its profits to local & national charities.

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
5.0 / 5 (8)

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
207 Keel Way, Irving, TX 78657
  • Reverse Mortgages

Why choose this provider?

Lone Star Reverse Mortgage, Inc., is a firm that serves senior homeowners in the Irving metro. The firm assists senior persons in the reverse mortgage loan application, starting from the initial discussion to loan closing. Led by founders Bob and Debbie Worley, its professionals customize loan products for each client and provide updates regarding the latest changes in HECM laws. The Worleys are also seniors who have over 20 years of combined experience in the industry.

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 (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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
5940 Brookhaven Drive, Plano, TX 75093
  • Reverse Mortgages
  • NMLS #: 39166

Why choose this provider?

USArefi.Com, Inc., is a mortgage refinance company that helps residents in Irving achieve their dream homes. This company has extensive knowledge in home equity, refinancing, and purchase. It assists clients with managing cash-out refinance alternatives to finance personal expenditures, such as a renovation project or the consolidation of high-interest debt. Borrowers can easily assess varied financing options by using its interactive calculators in going over various mortgage outlines. USArefi.Com strives to help its clients with honesty, competence, and integrity.

License Verified:

License: 311101

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

Website
12005 Ford Rd, Suite 405, Dallas, TX 75234
  • New Construction

Why choose this provider?

360 Home Lending is a mortgage company that serves Irving. Its advisors assist clients in choosing from a variety of refinancing programs, including conventional, commercial, jumbo, and FHA, USDA, and VA Streamlines. They help clients—first-time homebuyers and real estate investors alike—in achieving their goal of homeownership through different purchase loan options. The firm also offers bank statement programs, stated income programs, and asset-based, foreign national, and investment loans. 360 Home Lending was established in 2016.

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 (80)

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
1431 Greenway Drive, Irving, TX 75038
  • Reverse Mortgages

Why choose this provider?

Joanne M. Tucker provides mortgage refinance solutions to residents in Irving and nearby areas. She helps several types of customers such as refinancing home owners, investment buyers, first-time home buyers, and second home buyers in finding the right mortgage loans. Tucker is well-versed in handling a wide range of loans, having first started in the industry as a loan processor. She has been named as top originator by D Magazine and Texas Monthly Magazine.

License Verified:

License: 836583

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 (51)
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
8951 Cypress Waters Blvd., Suite 160, Dallas, TX 75019
  • Reverse Mortgages

Why choose this provider?

Ray Gulam, an advisor at Excel Residential Mortgage, caters to clients in and around the Irving area. He assists clients in refinancing through different loan options, such as FHA and VA. He works with traditional sources, like chartered banks, trust companies, corporate and private pension funds, and private lenders, to provide his customers with mortgage products that are not accessible through conventional sources. Gulam has been in the financial services sector for more than three decades.

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
2000 E Lamar Blvd., Suite 600, Arlington, TX 76006
  • New Construction

Why choose this provider?

Acquest Lending is a privately held mortgage company serving clients in Irving and nearby areas. It offers a variety of mortgage refinancing options for homeowners and homebuyers, such as jumbo, home equity, reverse mortgage, VA, and FHA loans. Its staff, which has more than 25 years of lending experience, considers basic financial information for loan pre-qualification, including LTV and debt-to-income ratios, sources of downpayment, and FICO credit scores. Acquest Lending has funded $150 million in home loans. It has lending partners across the country.

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 (61)
Facebook
5.0 / 5 (17)

Website
300 East Royal Lane, #250, Irving, TX 75039
  • New Construction

Why choose this provider?

Andy Layman is a KBHS Home Loans mortgage professional serving homeowners and homebuyers in and around the Irving area. He assists clients looking to refinance current mortgages, whether to cash out from their home equity to fund a renovation or lower monthly payments. He offers various loan programs, including jumbo and FHA streamline mortgages. Layman also helps clients obtain VA streamline and VA cash-out loans. Additionally, Layman offers loan options for first-time homebuyers, these include conventional and USDA loans.

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.
4.5
Facebook
4.5 / 5 (33)

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

Why choose this provider?

Aspire Lending is a privately held independent mortgage banking firm that assists clients in Irving with loan refinancing. The company helps clients to cash-out loans for investments such as education, business, and home renovations, refinances mortgages to lower interest rates, and lets owners borrow against the equity of their homes. It also provides loan programs such as FHA, VA, USDA, and jumbo options. Calculators for purchasing, home equity, and refinancing are available on its website. Aspire Lending carries over 19 years of industry experience.

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 (70)

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
137 Texas 121, Coppell, TX 75019
  • Reverse Mortgages
  • NMLS #: 39166

Why choose this provider?

NXT Mortgage is a team of professionals with vast knowledge and years of experience in the mortgage industry. It guides clients throughout the entire mortgage process, from application to closing. This mortgage refinance company serves Irving clients with a variety of home loan and refinance options including USDA loans, FHA loans, jumbo loans, and conventional loans. It also provides refinancing options and loan programs for veterans. NXT Mortgage uses e-sign technology and offers clients a secure portal for document processing.

License Verified:

License: 1582332

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 (69)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
5960 Berkshire Lane, Floor 6, Dallas, TX 75225
  • New Construction

Why choose this provider?

Common Sense Lending, L.L.C., assists clients with their financing needs in the Irving metro. The company advises on various mortgage products, providing personalized services that meet their client’s specific needs and financial capabilities. Its team provides the same level of specialized service to clients who are looking to refinance their mortgage, enabling them to opt for more advantageous mortgage payment terms. A client has commended the team for being responsive to their inquiries, avoiding extraneous questions, and getting the transaction closed on time.

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

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.
  • Are there recent changes in the cash-out refinance laws in Texas that may affect a borrower in Irving?

    There will now be stricter qualifications when applying for cash-out refinancing of mortgages on second homes and investment properties. These qualifications include the Irving borrower having a debt-to-income ratio of not more than 43% and the loan term not exceeding 30 years. Another condition under new laws is that the refinancing must not have risky features such as interest-only payments and negative amortization. Such changes are attributed to the Consumer Financial Protection Bureau's Qualified Mortgage Rule put into effect last January 2022.

  • How does an interest-only HELOC work for a borrower in Irving?

    All HELOC loans carry an interest-only feature for the first few years, which means borrowers are paying only for the interest as of this time. The period is called the draw period and can last about seven to 15 years. After this, the borrower in Irving has to start paying off the principal plus the interest for another 10 to 15 years. The terms would depend on the lender as well as how much the borrower owes when the draw period ends.

  • Why should you choose to refinance with a federally backed mortgage in Irving?

    Government-back refinancing programs in Irving typically have less complicated qualifying requirements, such as debt-to-income ratio and credit score. Some of these programs require less paperwork and no additional processes, such as home appraisal or credit underwriting. However, just like any other loan, they may have disadvantages, such as paying closing costs and ending up with a higher-priced mortgage.

  • Is it better to refinance with a credit union than another financial institution in Irving?

    There are advantages to refinancing with credit unions in Irving because they are generally not-for-profit institutions, which means they may put the client's interests above theirs. This is in contrast to the services and products of for-profit financial institutions, which put the interests of their stockholders first. Some of these advantages include lower refinancing rates, better customer service, and fewer refinancing fees.

  • Would you be able to refinance an Irving mortgage under the Texas Department of Housing & Community Affairs (TDHCA) Silent Second Program?

    Yes, but you would have to repay the down payment assistance given to you. The Texas Department of Housing & Community Affairs (TDHCA) Silent Second Program offers assistance of up to $23,745 or 5% of the total loan amount. Irving properties eligible under this program are condominiums, half duplexes, manufactured homes, PUDs, and townhomes. Call the TDHCA at their toll-free number, 800-792-1119 or 512-475-2120, for more information. Send them an email at info@tdhca.state.tx.us.

  • 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.