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Best Mortgage Refinance Companies in McKinney

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American Mortgage Company logo

American Mortgage Company

1002 Raintree Circle Suite 100, Allen, TX 75013
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  • New Construction
  • Reverse Mortgages

American Mortgage Company is a locally owned and operated firm that supports clients throughout McKinney. It helps homeowners who wish to lower their interest rates, take cash out of their home's equity, or change loan terms through mortgage refinancing. It also provides various loan options for home buyers, including fixed-rate and adjustable-rate mortgages, VA, FHA, and jumbo loans. Additionally, the company assists customers in applying for renovation loans like FHA 203K full, FHA 203K streamline, and EZ conventional.

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Capacity Lending logo

Capacity Lending

1402 S Custer Road Suite 503, Mckinney, TX 75070
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  • New Construction

Capacity Lending is a McKinney-based company providing its clientele with mortgage options and refinancing solutions. It offers FHA, VA, and fixed-rate or adjustable-rate loans. Its lending professionals assist current mortgagors in assessing their existing mortgages and restructuring them for benefits ranging from cash to lowered interest rates or monthly payments. They compare available lending options from the company's network of lenders and address clients' concerns to help prospective and current mortgagors find or refinance lending options according to their needs.

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First Bank logo

First Bank

4500 Eldorado Parkway Suite 1200, McKinney, TX 75070
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  • New Construction
  • Reverse Mortgages

First Bank addresses inquiries and applications involving loaning and refinancing programs from clients in McKinney. Its staff focuses on a detail-oriented approach by organizing comprehensive assessments of a potential applicant's existing loans, credit score, and specified terms and interest rates. It utilizes first-hand familiarity with various mortgage resources and trend changes in the real estate market to make adjustments to its financial recommendations. It also makes use of banking-related knowledge that has developed throughout the course of generations since First Bank began in 1907.

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Gail Hillman logo

Gail Hillman

500 S Tennessee Street, McKinney, TX 75069
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  • Reverse Mortgages

Gail Hillman is a branch manager of Novus Home Mortgage serving clients in McKinney. She offers mortgage refinancing services and products such as USDA, FHA, VA, IRRL, jumbo, and fixed loan programs. Additionally, the professional provides jumbo loans from Bayview, US Bank, PenFed, and Chase. Her conventional loan programs include Direct Freddie Mac, Fannie Mae HomeReady, Freddie Home Possible, and FNMA Direct. Hillman has been in the industry for over 15 years. She received the Best Mortgage Professional award in 2019 from D Magazine.

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Layton Mortgage logo

Layton Mortgage

Frisco, TX 75035
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  • New Construction
  • Reverse Mortgages

Layton Mortgage is a multi-channel brokerage helping the residents of McKinney pay off their home loans. It provides mortgage refinancing to assist clients in lowering their interest rates, consolidating their debts, and cashing out their home equity. Its loan officers offer various home financing options, such as jumbo, conventional, and reverse mortgages, as well as VA and USDA loans, to first-time home buyers and real estate investors. Layton Mortgage employs two-way communication to gain a thorough understanding of customers' needs.

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Pinnacle Funding Group logo

Pinnacle Funding Group

6625 Mediterranean Drive #200, McKinney, TX 75072
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  • Reverse Mortgages

Pinnacle Funding Group caters to customers in McKinney and nearby areas. Its team provides personalized service by guiding clients through every stage of the home purchase and mortgage refinance process. Its mortgage professionals provide consultations to determine the client's individual goals and needs. They offer a variety of options and regularly inform borrowers about the status of their loans. The president of Pinnacle Funding Group, Brian Palmer, has been working in the mortgage industry since 2002.

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Pravaas Capital logo

Pravaas Capital

8751 Collin McKinney Pkwy, Ste 1103, McKinney, TX 75070
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  • New Construction

Pravaas Capital LLC is a mortgage brokerage based in McKinney that has been addressing the home financing needs of its residents since 1989. The company's refinance programs include low-rate and cash-out refinance options. It also has purchase loans for first-time homebuyers. Its selection of loans is sourced from various lenders, such as AmeriSave, Provident Funding, and United Wholesale Mortgage. Pravaas Capital's brand of service includes same-day application approvals, automated loan statuses, and communication portals for clients and real estate agents.

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Security Mortgage Co. logo

Security Mortgage Co.

5601 Soapberry Dr., McKinney, TX 75070
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  • Reverse Mortgages

Security Mortgage Co. is a brokerage company that serves clients in McKinney. It offers mortgage refinancing services that lead to lower interest rates and smaller monthly payments. It also assists clients looking to cash out equity to consolidate debt, renovate properties, or use on a family vacation. FHA and VA loans are offered to those who are looking to obtain government loan programs. Security Mortgage is owned and operated by Robert Weaver, a loan representative and mortgage broker with over 29 years of experience.

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The Eric White Team logo

The Eric White Team

2780 Virginia Pkwy., Ste. 100, Mckinney, TX 75071
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  • Reverse Mortgages

The Eric White Team is a Fairway Independent Mortgage Corporation brokerage that serves McKinney and its surrounding areas. It helps homeowners refinance their loans and find options with reduced interest rates or monthly payments. It also guides first-time home builders and buyers, from filing a mortgage application to closing. Eric White oversees a team of over 20 people, including loan officers, processors, and relationship managers. He has been in the mortgage business for over 20 years.

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Tom Sherman logo

Tom Sherman

1402 S. Custer Rd., McKinney, TX 75072
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  • Reverse Mortgages

Tom Sherman caters to clients of Benchmark Mortgage in communities within McKinney. For more than two decades, he has been assisting homebuyers, sellers, and refinancing applicants in canvassing various programs that match their specified terms, interest rates, and financial situations. He helps customers with preparing their requirements and conducts holistic assessments of the mortgage and real estate markets for information to use in his loan and refinancing recommendations. Sherman also works alongside the agency's other members in assisting veterans with their homeownership endeavors.

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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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