Best Mortgage Refinance Companies in McAllen

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A A Genesis Mortgage Loans logo

A A Genesis Mortgage Loans

1012 Martin Ave, Suite C, McAllen, TX 78504
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  • New Construction
  • Reverse Mortgages

A A Genesis Investments LLC is a full-service mortgage brokerage based in McAllen that serves clients in the metro and the surrounding neighborhoods. It provides various refinancing options, such as FHA streamline, FHA cash out, and conventional refinances, for residential, vacation, and investment properties. The company also offers FHA, VA, USDA, and jumbo loans with different interest rate options for clients looking to buy a home. A A Genesis helps borrowers throughout the entire home loan process, from selecting the right program to closing loans.

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Cabrales Mortgage logo

Cabrales Mortgage

2117 Cornerstone Boulevard, Edinburg, TX 78539
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  • Reverse Mortgages

Cabrales Mortgage assists McAllen residents in realizing their homeownership goals. It provides mortgage refinancing services to change the terms of home loans or lower borrowers' fixed interest rates. Its mortgage loan advisors provide clients with well-defined options to assist them in making decisions appropriate for their financial situations. The team is managed by Paty Cabrales, who works with home sellers to determine the ability of prospective buyers to obtain financing and whether their loans will close on time.

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Canopy Mortgage logo

Canopy Mortgage

5915 Silver Spring Dr Bldg 5, Ste M, McAllen, TX 79912
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Canopy Mortgage is a mortgage broker that serves clients in McAllen. Through a convenient online application, it assists with mortgage refinancing of current homeowners with FHA loans who want to take cash out, lower their monthly payments, or shorten their loan term. First-time homebuyers seeking to own a home through FHA loans are served by the mortgage broker as well. Canopy Mortgage residential mortgage loan originator Danny Nassar has been in the industry since 2004.

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Harrison Lending Group logo

Harrison Lending Group

5237 N. 23rd. St., McAllen, TX 78501
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  • Multi-Family Loans

Harrison Lending Group serves residential and commercial customers in McAllen and surrounding areas. Its officers provide programs based on the property type and each borrower's needs. It guides individuals in refinancing their homes, considering factors such as employment history, income, and credit score in choosing the most suitable option. It helps clients gather required documents, shorten the length of their mortgage, and obtain low-interest rates. The company also works with investors, real estate owners, and developers.

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La Cross Mortgage logo

La Cross Mortgage

213 W Expy 83 suite d, Pharr, TX 78577
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  • New Construction

La Cross Mortgage offers its counsel and choices to potential applicants in McAllen who wish to refinance their current mortgages. Its loan officers organize in-depth consultations that focus on evaluating their clients' eligibility for specific plans based on their credit situations and financial needs. Their refinancing programs provide opportunities for applicants to secure home equity cash-outs to fund domestic endeavors and reduce their interest rates and monthly payments. The firm is also open to applications and inquiries from those who speak Spanish.

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Monica Hernandez logo

Monica Hernandez

2520 Buddy Owens Blvd, McAllen, TX 78504
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  • New Construction
  • Reverse Mortgages

Monica Hernandez provides mortgage refinancing to individuals and families in the McAllen area. She is one of the branch mortgage loan originators of the Gold Financial Services franchise that has been in service for over 25 years. Hernandez and her team assist homeowners through refinance programs such as USDA, VA, FHA, and conventional options. One of the clients commended Monica for closing a loan contract in a week compared to his previous lender, who needed three months.

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Mortgage Pros logo

Mortgage Pros

5801 N 10th St Ste 300, McAllen, TX 78504
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  • New Construction

Mortgage Pros is a McAllen-based provider that serves residential clients. It offers refinancing solutions for owners who want to restructure their mortgages by transforming their monthly payment rates and loan durations. It provides multiple loan types, including FHA, VA, 203(k), USDA, and jumbo loans. It also assists with the Bond program and HECM. Mortgage Pros was established in 2017 and is supported by Directions Equity LLC. It is headed by Oz Salinas, a Spanish bilingual with over 16 years of industry experience.

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The Home Loan Experts logo

The Home Loan Experts

3700 North 10th Street, Suite 303, McAllen, TX 78501
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  • New Construction

The Home Loan Experts is a mortgage brokerage company serving McAllen. The firm provides mortgage refinance to individuals seeking to consolidate debt, reduce monthly payments, shorten loan terms, and pay off their mortgage faster with a new loan. Its mortgage specialists—Roel Reyna, Ricardo Trejo, and Pamela Trevino—assess their client's financial situation and recommend the best refinance option for their needs. The company is a subsidiary of Paramount Residential Mortgage Group, Inc., a nationwide mortgage lender that has helped thousands of borrowers for over 20 years.

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Wallstreet Wholesale Lender logo

Wallstreet Wholesale Lender

3111 W Freddy Gonzalez Dr Suite 225, Edinburg, TX 78539
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  • New Construction
  • Reverse Mortgages

Wallstreet Wholesale Lender specializes in residential, commercial, construction, and builder lines of credit that help clients acquire a property in McAllen and the surrounding areas. It offers various mortgage refinance options like conventional, jumbo, FHA cashout, VA streamline, and USDA streamline to help those with existing mortgages get a better rate and term. Those looking to purchase a home for the first time may choose from FHA, VA, USDA, jumbo, conventional, and one-time closing loans.

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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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