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Best Mortgage Refinance Companies in Lubbock

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Benchmark Mortgage - Lubbock logo

Benchmark Mortgage - Lubbock

12419 Quaker Avenue, Lubbock, TX 79424
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  • Reverse Mortgages
  • NMLS #: 39166

Benchmark Mortgage - Lubbock is a home loan lender helping clients in the great West Texas area. The locally managed mortgage branch offers an array of loan products, including fixed and adjustable-rate mortgages, VA, FHA, and USDA loans. It also provides jumbo loans, conventional loans, refinancing options, and renovation loans. Additionally, it supports local organizations, such as Meals on Wheels and Red Day Clean Up, and it is one of the winners of the 2020 Best of Lubbock award by AJ Media - Lubbock Avalanche-Journal Advertising.

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City Bank Mortgage logo

City Bank Mortgage

5506 4th Street, Lubbock, TX 79416
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  • Reverse Mortgages
  • NMLS #: 39166

City Bank offers financial solutions to Lubbock and the surrounding communities. As a mortgage refinance company, it seeks to provide a refinancing solution that matches the client's needs. The company can help clients lower monthly payment rates, shorten loan terms to pay off loans sooner, and take extra cash out of a loan. Since its establishment in 1941, City Bank has been handling mortgage refinancing in 17 locations all around Texas.

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City Bank Mortgage logo

City Bank Mortgage

5219 City Bank Pkwy, Lubbock, TX 79407
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  • Reverse Mortgages
  • NMLS #: 39166

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.

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City First Mortgage Services, LLC - Lubbock Texas logo

City First Mortgage Services, LLC - Lubbock Texas

5703 114th Street, Lubbock, TX 79424
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  • Reverse Mortgages
  • NMLS #: 39166

City First Mortgage Services, LLC is a mortgage brokerage firm serving Lubbock and the surrounding communities for more than 20 years. Its credit advisors are locally-placed and are knowledgeable in underwriting, inspections, and contract and mortgage law. City First Mortgage Services assists offers financial options to clients looking to boost their retirement income, make major purchases, reduce or consolidate debt, and build a cash reserve for emergencies. Some of its services include adjustable-rate mortgages, fixed-rate mortgages, Hybrid ARMs, 2/1 but down mortgages, and reverse mortgages.

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Fairway Independent Mortgage Corporation - Lubbock logo

Fairway Independent Mortgage Corporation - Lubbock

6303 Indiana Avenue, Lubbock, TX 79413
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  • Reverse Mortgages
  • NMLS #: 39166

Fairway Independent Mortgage Corporation - Lubbock is a mortgage refinance company founded in 1996. It offers adjustable-rate, fixed-rate, military, and reverse mortgage programs. It also helps its clients acquire conventional, renovation, jumbo, FHA, and VA loans. Fairway Independent Mortgage Corporation has hundreds of branches nationwide, with its main office located in Wisconsin. It is committed to turning its clients' dream of homeownership into reality. Homebuyer's guides and online calculators are also available on the company's website.

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Fil-American Mortgage Services logo

Fil-American Mortgage Services

5120 29th Drive, Lubbock, TX 79407
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  • Reverse Mortgages
  • NMLS #: 39166

Fil-American Mortgage Services delivers mortgage refinance solutions to residents in Lubbock. Its team of home loan professionals aims to help its clients achieve the home of their dreams. They handle loans for home purchase, home equity, and home refinance concerning single and multi-family homes, condominiums, townhouses, and manufactured homes. Mortgage rate options include fixed-rate, adjustable ARMS, and graduated payments. Fil-American Mortgage gives advice on paying discounts to lower interest rates and any viable option to reduce monthly mortgage payments.

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First Source Capital Mortgage, Inc. logo

First Source Capital Mortgage, Inc.

3223 South Loop 289, Lubbock, TX 79423
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  • Reverse Mortgages
  • NMLS #: 39166

First Source Capital Mortgage, Inc., is a refinance firm serving the community in Lubbock and nearby areas. It was founded during a challenging time for commercial real estate owners and developers and has been in continuous operation since 1993. It offers an array of loan options including residential mortgage, multifamily and commercial real estate, country home mortgage, farm and ranch, and recreational land loans. Its team of loan officers has decades of experience in various types of properties.

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FirstCapital Bank of Texas logo

FirstCapital Bank of Texas

6811 Indiana Ave, Lubbock, TX 79413
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  • Reverse Mortgages
  • NMLS #: 39166

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.

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Happy State Bank logo

Happy State Bank

4411 98th St, Lubbock, TX 79424
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  • Reverse Mortgages
  • NMLS #: 39166

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.

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Hometrust Mortgage logo

Hometrust Mortgage

3402 110th St # 101, Lubbock, TX 79423
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  • Reverse Mortgages
  • NMLS #: 39166

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 logo

Peoples Bank

5820 82nd Street, Lubbock, TX 79424
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  • Reverse Mortgages

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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Plainscapital Bank logo

Plainscapital Bank

4415 4th St, Lubbock, TX 79416
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  • Reverse Mortgages

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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Security Mortgage Lubbock logo

Security Mortgage Lubbock

2034 82nd Street, Lubbock, TX 79423
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  • Reverse Mortgages
  • NMLS #: 39166

Security Mortgage Lubbock is a mortgage refinance company that serves clients in Lubbock. The company offers several mortgage loan options for homebuyers and homeowners who want to refinance their mortgages, including fixed-rate loans, adjustable-rate loans, FHA loans, and VA loans. It also maintains a working relationship with various lenders to help clients get the loan programs that suit their needs. Security Mortgage Lubbock is also familiar with the home buying and mortgage processes that cover downpayment and closing costs.

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Spirit Mortgage - Lubbock logo

Spirit Mortgage - Lubbock

6604 Frankford Avenue, Lubbock, TX 79424
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  • Reverse Mortgages
  • NMLS #: 39166

Spirit Mortgage is a locally owned mortgage refinance company that serves clients in Lubbock. The company offers a variety of loan programs for clients, including fixed-rate mortgage loans, adjustable-rate mortgage loans, FHA loans, VA home loans, and USDA home loans. Its team of mortgage loan officers has always been focused on serving the financial needs of West Texas communities. Spirit Mortgage traces its origins back to 1907 when founder Ray M. Bain established The First State Bank of Dimmitt.

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Texas Tech Federal Credit Union logo

Texas Tech Federal Credit Union

1802 Texas Tech Pkwy, Lubbock, TX 79409
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  • Reverse Mortgages

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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Frequently Asked Questions

Q: What should you expect when refinancing a mortgage?

A: 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.

Q: How often should you refinance your mortgage?

A: 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.

Q: Can you refinance a first mortgage and not a second?

A: 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.

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