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Best Mortgage Refinance Companies in Irving

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60 Home Lending logo
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60 Home Lending

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

Business Description

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
4.2 / 5 (64)

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
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Acquest Lending logo
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Acquest Lending

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

Business Description

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)
Andy Layman logo
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Andy Layman

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

Business Description

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.
4.9
Facebook
4.3 / 5 (23)

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
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Detail
Aspire Lending logo
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Aspire Lending

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

Business Description

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
4.6 / 5 (66)

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
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Assurant Home Loans logo
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License Verified:

License: 1767773

Nationwide Multistate Licensing System and Registry

Assurant Home Loans

1212 Corporate Drive, Irving, TX 75038
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  • New Construction
  • Alternative Income Documentation Loans

Business Description

Assurant Home Loans is an Irving-based business that assists clients in the home loan process, whether they are purchasing or refinancing. Its team of advisors educates homebuyers and homeowners on different programs, such as conventional, FHA, HARP 2.0, and VA loans. The two-person company also helps clients secure construction loans, which are used to finance new homes or commercial properties. Assurant Home Loans addresses concerns that involve home equity, reverse mortgage, and adjustable-rate loans.

License Verified:

License: 1767773

Nationwide Multistate Licensing System and Registry

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
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Caliber Home Loans logo
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License Verified:

License: 15622

Nationwide Multistate Licensing System and Registry

Caliber Home Loans

1525 South Belt Line Road, Coppell, TX 75019
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  • New Construction

Business Description

Caliber Home Loans, Inc., is a full-service mortgage refinance company that serves residents of Irving and nearby areas. The business helps clients in choosing the right mortgage loans for them. Its team of loan specialists specializes in a wide range of loan options such as USDA, FHA, VA, jumbo, and conventional. The company has a mobile application to keep clients updated throughout the loaning process. A team of senior mortgage banking professionals has been leading the company since 2007.

License Verified:

License: 15622

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
4.9 / 5 (6291)
Facebook
5.0 / 5 (10)

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
Common Sense Lending logo
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Common Sense Lending

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

Business Description

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
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D&H Lending logo
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License Verified:

License: 329429

Nationwide Multistate Licensing System and Registry

D&H Lending

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

Business Description

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
Gentec Mortgage logo
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Gentec Mortgage

5960 Berkshire Ln., Dallas, TX 75225
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  • Multi-Family Loans

Business Description

Gentec Mortgage is a team of home loan specialists serving Irving and nearby areas. They help clients through the process of acquiring refinance loans, whether to lower monthly interest rates or take cash out from home equity. They help clients choose from various loan options based on different financial documents. Additionally, they offer loans for first-time homebuyers, which include conventional, jumbo, and FHA loans. Gentec Mortgage was established by Demond Johnson, who has 20 years of real estate 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.
5.0
Gregory Fischer Ulrich logo
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Gregory Fischer Ulrich

Grapevine, TX
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  • Multi-Family Loans

Business Description

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
Guidance Residential logo
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Guidance Residential

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

Business Description

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 (117)

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
Joanne M. Tucker logo
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License Verified:

License: 836583

Nationwide Multistate Licensing System and Registry

Joanne M. Tucker

1431 Greenway Drive, Irving, TX 75038
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  • Reverse Mortgages

Business Description

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)

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
Lone Star Reverse Mortgage, Inc. logo
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Lone Star Reverse Mortgage, Inc.

207 Keel Way, Irving, TX 78657
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  • Reverse Mortgages

Business Description

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.
4.9
Google
4.9 / 5 (7)
Facebook
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Mortgage On A Mission logo
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License Verified:

License: 2014212

Nationwide Multistate Licensing System and Registry

Mortgage On A Mission

701 Commerce Street Suite #609, Dallas, TX 75202
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Business Description

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

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
New Frontier Financial Inc. logo
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New Frontier Financial Inc.

13612 Midway Rd #398, Dallas, TX 75244
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  • Reverse Mortgages

Business Description

New Frontier Financial Inc. has been serving Irving residents for more than 20 years. It helps clients make informed decisions by educating them about the benefits of mortgage refinancing and making sure that they are familiar with all available options. The team works with a network of lenders and connects borrowers with products that fit their needs. Its founder, Martha Walters, uses her experience as a real estate agent in helping people achieve their homeownership goals.

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
4.8 / 5 (19)
Facebook
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
New Homes Mortgage logo
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License Verified:

License: 1794858

Nationwide Multistate Licensing System and Registry

New Homes Mortgage

2121 W Airport Fwy SUITE 550, Irving, TX 75062
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  • Reverse Mortgages

Business Description

New Homes Mortgage is a company based in Irving. It provides mortgage lending services for residential and commercial properties in the area. Its professionals offer loan types such as construction loans, home equity loans, conventional fixed-rate mortgages, adjustable-rate mortgages, and jumbo loans. New Homes Mortgage offers other services that include refinancing mortgage loans, FHA loans, VA loans, reverse mortgage loans, and USDA loans. Its professionals ensure to guide clients throughout the whole mortgage process to select the best mortgage option.

License Verified:

License: 1794858

Nationwide Multistate Licensing System and Registry

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
Noble Mortgage & Investments - Dallas logo
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License Verified:

License: 292143

Nationwide Multistate Licensing System and Registry

Noble Mortgage & Investments - Dallas

106 Decker Drive, Irving, TX 75062
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  • Multi-Family Loans

Business Description

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)

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
NXT Mortgage logo
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License Verified:

License: 1582332

Nationwide Multistate Licensing System and Registry

NXT Mortgage

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

Business Description

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)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Patricia Mahoney logo
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License Verified:

License: 933163

Nationwide Multistate Licensing System and Registry

Patricia Mahoney

1235 South Main Street, Grapevine, TX 76051
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  • Reverse Mortgages
  • NMLS #: 39166

Business Description

Patricia Mahoney is a mortgage loan consultant at First United Mortgage Group that provides solutions to the financial needs of home buyers and real estate professionals in Irving and its surrounding areas. She collaborates with clients in creating loan programs that are specifically tailored to their needs. Patricia assists clients throughout the home purchase and refinances process. First United Mortgage Group offers loan options that include physician loans, construction loans, VA, FHA, and USDA home loans. In addition, it also finances jumbo and conforming loan balances on non-warrantable condominiums.

License Verified:

License: 933163

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 (35)

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
PennyMac Loan Services, LLC - Plano logo
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License Verified:

License: 35953

Nationwide Multistate Licensing System and Registry

PennyMac Loan Services, LLC - Plano

2201 West Plano Parkway, Plano, TX 75075
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  • New Construction
  • Multi-Family Loans

Business Description

Based in Plano, PennyMac Loan Services, LLC, is a mortgage refinancing company that serves clients in Irving. It provides a variety of loan options for homeowners, homebuyers, and real estate investors that include FHA, VA, USDA, and investment property loans. Since its establishment in 2008, the company has processed more than $449 billion in mortgage loans, served more than one million homeowners, and funded more than $117 billion in mortgage loans in 2019. The company was founded by Stanford L. Kurland in 2008.

License Verified:

License: 35953

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.
3.9
Google
3.9 / 5 (83)

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
Petra Mortgage logo
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License Verified:

License: 1425955

Nationwide Multistate Licensing System and Registry

Petra Mortgage

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

Business Description

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.
5.0
Facebook
5.0 / 5 (24)

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
Prime Lending logo
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Prime Lending

825 Watters Creek Blvd, Suite 260, Allen, TX 75013
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Business Description

Prime Lending is a home financing company serving individuals and families in Irving and the surrounding areas. The company offers FHA, USDA, VA, and jumbo loan options to consumers looking to purchase or refinance a property. First-time homebuyers are offered grants for a downpayment, fixed or adjustable-rate mortgages, and low down payment options. Prime Lending also offers loan programs to cover renovation costs for homes or investment properties. Clients can also choose funded repair escrow programs, which are ideally suited for property transactions.

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 (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
Ray Gulam logo
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Ray Gulam

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

Business Description

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.

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 (35)

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
Sunrise Mortgage Services LLC logo
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License Verified:

License: 2154784

Nationwide Multistate Licensing System and Registry

Sunrise Mortgage Services LLC

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

Business Description

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
U.S. Lending Partner logo
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U.S. Lending Partner

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

Business Description

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 (29)
Google
4.8 / 5 (19)

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
Uptown Funding logo
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Uptown Funding

5215 N O'Connor Blvd, Ste 1100, Irving, TX 75039
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  • New Construction

Business Description

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.
5.0
Google
5.0 / 5 (6)
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
USArefi.Com, Inc logo
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License Verified:

License: 311101

Nationwide Multistate Licensing System and Registry

USArefi.Com, Inc

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

Business Description

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

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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.

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.

How does mortgage refinance work?

The mortgage refinance process begins with choosing a broker and filling out loan application information. The process continues through underwriting and closing. The new mortgage is then used to pay off and close your original mortgage loan. This leaves you with a new loan and mortgage payment to manage each month.

When should you refinance a mortgage?

If your credit score has improved or mortgage interest rates have dropped, refinancing can potentially save you money. Other reasons to refinance your mortgage include getting a fixed rate instead of an adjustable one or getting a shorter loan term. An increase in your home’s value that can let you access more equity is another reason to refinance.

How much does it cost to refinance a mortgage?

The average cost to refinance a mortgage is $5,000. This amount varies, based on the state and county where the property is located and the loan amount. Common fees incurred when refinancing a mortgage include:

  • Appraisal fee
  • Broker’s fee
  • Credit check fee
  • Loan application fee
  • Recording fee
  • Title search and insurance fee

How soon can you refinance a mortgage?

Some lenders make borrowers wait a minimum of six months before accepting a new mortgage refinancing application. However, when that happens, borrowers can check with other lenders to find one that doesn’t require a wait before refinancing. A mortgage refinance broker can guide you to lenders that allow immediate refinancing.

How long does it take to refinance a mortgage?

The average amount of time it takes to refinance a mortgage is 45 days. In some cases, it may be possible to get it done faster. There also may be times when it takes longer to get a mortgage refinanced.

What is the average closing cost to refinance a mortgage?

The average closing cost when refinancing a mortgage is $4,345. Closing costs may be much higher or lower depending on the amount of money borrowed. If you see an ad that says there are no closing costs, the costs are factored in elsewhere in the terms of the loan.

How often can you refinance a mortgage?

You can refinance a mortgage as often as you like, however, if you refinance frequently, it can cost more in fees than you save on interest. Some reasons for refinancing repeatedly include a sharp drop in interest rates or going through a life event, such as a divorce.

When is it worth it to refinance a mortgage?

It’s worth it to refinance when interest rates drop and refinancing will save you money. It also may be worth refinancing if you need to access some of your home’s equity to cover other expenses. Refinancing may be worthwhile if you're switching from a variable to a fixed rate mortgage.

Can you refinance a mortgage with no closing costs?

You can refinance a mortgage without paying closing costs at the time. However, those costs are still owed and are factored in elsewhere in the financing. Lenders either add the costs to the principal owed or increase the interest rate on your refinanced mortgage loan.

Can you refinance a home equity loan into a mortgage?

You can refinance a home equity loan into a mortgage in some situations. You have to have excellent credit to do this. Additionally, you must have enough equity in your home to qualify for a new mortgage that pays off the existing mortgage and your home equity loan.

Can you refinance a mortgage without a job?

In some situations, you can refinance your mortgage if you don't have a job. It depends on the lender, because some will allow it and others won’t. A qualified mortgage refinance broker can help connect you with lenders that consider your situation. You have to submit documentation about your unemployment and the income you have.

Can you refinance a mortgage with bad credit?

It’s possible to refinance a mortgage if you have bad credit. If your payment record with your current lender is good, you can discuss refinancing with that lender. You may also be able to refinance a mortgage by going through a government-backed lender, such as the USDA or FHA.

Can you refinance a second mortgage?

It’s possible to refinance a second mortgage. If your credit score improves or interest rates drop, refinancing a second mortgage may save you money. Either of these situations can provide a way for you to get a lower interest rate. Refinancing a second mortgage can also sometimes shorten your loan repayment period.

Can you refinance a first mortgage and not a second?

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.

How often should you refinance your mortgage?

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.

What should you expect when refinancing a mortgage?

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.

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