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Best Mortgage Refinance Companies in Lubbock
2020

8 Best Lubbock Mortgage Refinance Companies

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We scored 122 Mortgage Refinance Companies in Lubbock, TX and Picked the Top 8

Locally owned and independent, City Bank Mortgage addresses the mortgage needs of communities in Lubbock and the surrounding areas. The loan officers provide a line of mortgage products to refinance home loans and save clients some money. Available options include FHA, VA, USDA, and jumbo loans with either adjustable or fixed rates. The company provides online mortgage tools that help clients choose the right loan products, and its prequalification services simplify the lending process. City Bank Mortgage offers additional lending solutions such as construction loans for experienced or aspiring developers and home remodeling for house repairs and maintenance.

Fil-American Mortgage Services offers mortgage refinance services to owners of single family homes and residential property buildings. Its loan officers help clients to make decisions by assessing their eligibility for refinance programs associated with several types of loans. It also assists with many different kinds of standard loans including both fixed-rate and adjustable-rate mortgages as well as FHA and VA loans. Fil-American Mortgage Services structures reverse mortgages too. If a client is unsure which loan program can best serve their needs, a loan officer will match them to a program that best fits their financial circumstances and long-term goals.

FirstCapital Bank of Texas is a locally owned and operated community bank that's been providing home mortgage refinancing in Lubbock and the surrounding areas since 1998. The mortgage professionals refinance primary residences, second homes, and investment properties by offering low fixed and adjustable rates to help clients save money and shorten mortgage terms. Some loan options include jumbo, FHA, VA, USDA, and TSAHC. The loan specialists also offer new construction loans for building purposes and conventional loans to first-time home buyers. FirstCapital Bank of Texas additionally supports businesses by financing their needs via loans, revolving lines of credit, or letters of credit.

Happy State Bank was founded in 1908 to cater to the financial needs of residents in Lubbock and surrounding towns. The mortgage refinance lenders in Lubbock provide consultation services to help homeowners choose the right home loan product to gain favorable payment terms and lower interest rates. The company also offers home purchase, improvement, and construction loans as well as bridge credit. Borrowers can use the hybrid eClosing platform to receive and sign documents, making the refinancing or buying process more efficient. Additionally, Happy State Bank has down payment assistance programs for new home purchases.

The non-depository bank Hometrust Mortgage has provided home loan financial services in Lubbock and nearby areas since 1986. Its experts help homeowners create mortgage refinancing plans that lower interest rates and provide favorable payment terms. The firm offers refinancing solutions via various loan programs, including USDA, VA, jumbo, FHA, and conventional mortgages. The loan officers offer additional lending for multiple needs, such as renovation loans for home repairs and down payment assistance to cover closing costs and down payments for new home purchases. Hometrust Mortgage has in-house processing, underwriting, and closing departments to hasten the lending process and enhance consistency.

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Peoples Bank has been providing home mortgage refinance in Lubbock since 1999. Its Home Loan Center offers various loans to refinance existing mortgages, including VA, FHA, and conventional financing. It has special loan programs, such as 15-year jumbo, TSAHC Homes for Heroes, and Texas State Affordable Housing Corporation. The loan specialists provide prequalification services to enable borrowers to access home loans when they need to refinance mortgages quickly. They also offer interim financing to cater to construction costs, and they can convert the loan into a permanent one once construction is complete.

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Founded in 1988, PlainsCapital Bank is a mortgage refinance company in Lubbock that serves homeowners and businesses. The mortgage specialists provide various refinancing solutions through home loan programs such as FHA, VA, jumbo, and USDA. They help clients to get favorable terms and save money by offering low fixed- and adjustable-rate programs. Additional loan solutions include renovation loans for home improvements, construction financing for building houses from the ground up, and conventional mortgage loans for new home purchases. PlainsCapital Bank offers personal loans for unexpected or significant expenses and lines of credit that enable access to cash for future payments.

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Texas Tech Federal Credit Union is a nonprofit credit union that serves communities in Lubbock. Its loan experts provide mortgage programs for refinancing, and they help clients choose the right loan type to lower monthly mortgage payments and shorten loan terms. Loan options include conventional, VA, jumbo, and FHA, with a choice between fixed and variable interest rates. The credit union also offers a home equity loan to homeowners who can cash out from their home's equity. Texas Tech Federal Credit Union additionally provides auto and personal loans, and borrowers can skip monthly payments upon request.

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