Expertise.com

2024

Last updated:

Best Mortgage Refinance Companies in Mesquite, TX

Our Recommended Top 14

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Mesquite Mortgage Refinance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

89Reviewed

59Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

14801 Quorum Drive Suite 300, Dallas, TX 75254
WebsiteLicense: 2129

Expertise.com Rating

Review Sources

Google
4.9 (1137)

Why choose this provider?

Supreme Lending serves homeowners and home buyers throughout Mesquite and the nearby communities. Its team specializes in helping clients lower their monthly payments and interest rates by refinancing their current mortgage loans. The agency also guides individuals in choosing loan options suitable for their financial needs and goals, including conventional, FHA, VA, jumbo, and USDA loans. Renovation loan programs are also available. Supreme Lending extends its services to various states, including Colorado, Georgia, Idaho, Maryland, South Carolina, and Virginia.

  • Reverse Mortgages
  • New Construction

6220 Gaston Ave., Dallas, TX 75214
WebsiteLicense: 329223

Expertise.com Rating

Review Sources

Google
4.8 (49)
Facebook
4.7 (14)

Why choose this provider?

Stonebriar Mortgage caters to residents of Mesquite who need a variety of purchase and refinancing options. The crew has home loans ranging from government-backed FHA products to bank statement loans. Contracts aimed at military combat personnel and supported by Veterans Affairs are available. The company also offers refinancing options for existing fixed-interest or adjustable-interest loans, as well as other arrangements. Stonebriar Mortgage is led by Mike Owen, who opened the company in 2000. It uses current digital tools to supplement the advice offered by agents.

  • Reverse Mortgages

4100 Alpha Road, Suite 300, Dallas, TX 75244
WebsiteLicense: 137773

Expertise.com Rating

Review Sources

Google
4.7 (71)
Yelp
1.0 (3)

Why choose this provider?

Aspire Lending is a company that has been offering refinance options to homeowners in Mesquite for over 19 years. It helps homeowners get refinance loans to lower their interest rates, loan term, or monthly payment. Its clients, on average, have saved at least $300 in monthly payments and $8,000 in interest over five years. It also offers FHA, VA, USDA, jumbo, and general loans. Aspire Lending caters to clients across various states, such as Alabama, Arkansas, New Mexico, and Florida.

  • New Construction

3100 Monticello Ave. Ste. 150, Dallas, TX 75205
WebsiteLicense: 552551

Expertise.com Rating

Review Sources

Google
5.0 (119)
Facebook
5.0 (61)
Yelp
3.7 (3)

Why choose this provider?

Christian Johnson, a branch manager at Caliber Home Loans, provides services to clients in the Mesquite community and the surrounding cities. He offers mortgage refinance services to help individuals lower their interest rates, pay their debts, and change mortgage types. These refinancing services also provide funds for clients' home improvement needs. Johnson is available to assist individuals and families purchase their first homes using FHA, VA, USDA, and conventional loan programs. He also serves veterans and active military homebuyers.

  • New Construction
  • Reverse Mortgages

6060 N. Central Expressway Suite 500, Dallas, TX 75206
WebsiteLicense: 267051

Expertise.com Rating

Review Sources

Google
4.9 (49)

Why choose this provider?

Hurst Lending is a mortgage company based in Dallas that offers home loan programs and mortgage refinancing solutions to clients in the Mesquite area. It provides various refinancing programs such as cash-out, Airbnb loans, delayed financing loans, no seasoning cash-out refinancing, and investment property HELOC. The company is managed by Jay Hurst, an NMLS-licensed loan officer who has been in the industry for over 15 years. Hurst Lending also offers niche loans such as LLC and SBA 504 loans.

  • Multi-Family Loans

5641 SMU Blvd., Suite 130, Dallas, TX 75206
WebsiteLicense: 1579150

Expertise.com Rating

Review Sources

Google
5.0 (8)

Why choose this provider?

Grove Mortgage Home Loans of Dallas assists clients in Mesquite and surrounding areas in refinancing homes to reduce monthly payments and interest rates. Its team also offers various financing options, including FHA, VA, jumbo, and conventional loans, for first-time home buyers and investors. The brokerage was established in 2007 and is a VA-approved and equal housing lender. It is committed to providing exceptional service by educating and guiding its clients through the home buying process.

  • New Construction
  • Reverse Mortgages

4144 N Central Expy Suite 530, Dallas, TX 75204
WebsiteLicense: 2332470

Expertise.com Rating

Review Sources

Google
5.0 (8)

Why choose this provider?

Mortgage Professional Associates is a service provider that implements refinancing solutions in Mesquite. Its team of loan officers develops money-saving strategies in refinancing existing mortgages to secure lower interest rates or switch to a different term. The staff assists clients in the decision-making process by providing quick and automated quotes, online application options, and refinancing calculators. Mortgage Professional Associates has been serving the community's financing needs since 2011 and also offers loan programs for investment properties.

  • New Construction

310 East I30, Garland, TX 75043
WebsiteLicense: 230028

Expertise.com Rating

Why choose this provider?

Not Your Average Lender is a Garland-based mortgage company that serves the metro of Mesquite. It assists with decision-making on why to refinance, such as to accumulate equity faster, consolidate debt, cash out, and reduce interest rates and monthly payments. Its loan officers also guide clients through the loan process, from getting qualified and knowing-debt-to-income ratios and credit scores to choosing between fixed and adjustable rates and determining closing costs.

  • Reverse Mortgages

13151 Emily Rd Suite #100, Dallas, TX 75240
WebsiteLicense: 1203087

Why choose this provider?

The BIC Mortgage Company, LLC, is an ECOA-compliant business that caters to clients in the Mesquite metro and the neighboring communities. It provides mortgage refinance programs, guiding clients through the process, which involves pre-qualifying, submitting loan applications to the underwriter, ordering appraisals, and closing transactions. It also provides mortgage solutions to clients who want to purchase new and additional properties. The Dallas-based agency offers a variety of commercial options, including construction and development, land, and bridge loans.

  • New Construction
  • Reverse Mortgages

2911 Turtle Creek Blvd #300, Dallas, TX 75219
WebsiteLicense: 1759045

Expertise.com Rating

Review Sources

Facebook
4.9 (48)
Google
4.8 (21)

Why choose this provider?

U.S. Lending Partner is a full-service mortgage company that caters to clients in Mesquite and nearby areas. It provides various refinancing solutions to owners of single-family and multifamily units, condominiums, manufactured homes, and townhouses to help them consolidate debts, take cash out of their equity, and reduce their interest rates. The options include FHA 230k, streamline, and cash-out, VA streamline and cash-out, and jumbo loans. U.S. Lending Partner also offers a variety of purchase loan programs, such as FHA, VA, jumbo, and USDA.

  • New Construction
  • Reverse Mortgages

100 Crescent Court 7th Floor, Suite 7005A, Dallas, TX 75201
WebsiteLicense: 278904

Expertise.com Rating

Review Sources

Google
5.0 (98)
Facebook
5.0 (9)
Yelp
5.0 (1)

Why choose this provider?

William Ross Wright is a NEXA Mortgage branch manager who provides refinancing to Mesquite. NEXA is an online resource for customized quotes and personalized mortgage solutions. Wright’s home refinancing helps clients lower their monthly payments. He utilizes industry expertise and tools such as refinance analysis to provide options based on his clients’ unique criteria. The agent offers fixed or adjustable rates. Available loans also include conforming, jumbo, super jumbo, VA, USDA, and FHA loans. Wright has been in the industry for over 15 years.

  • New Construction

1401 N US 75-Central Expy 1000 # 100B, Richardson, TX 75080
WebsiteLicense: 1657876

Expertise.com Rating

Why choose this provider?

Mercantile Mortgage serves the real estate needs of residents in and around Mesquite. It helps buyers and investors achieve their dream townhouses, manufactured homes, and single- and multi-family houses through its refinancing solutions. The company assists clients in creating strategies to consolidate debts, lower interest rates and monthly payments, and change loan terms. Its team processes VA, FHA, adjustable- and fixed-rate, and reverse mortgage loans. Mercantile Mortgage has been in the industry for over 25 years.

  • New Construction
  • Reverse Mortgages

6130 La Vista Drive Suite 100, Dallas, TX 75214
WebsiteLicense: 6521

Expertise.com Rating

Review Sources

Google
5.0 (96)
Facebook
5.0 (59)

Why choose this provider?

The Hargrave Group at Homebridge is a mortgage brokerage in Dallas providing loan programs and mortgage refinancing to customers in the Mesquite area. The company is headed by Erik Hargrave, who has helped homeowners and homebuyers secure loans and refinancing for more than 20 years. Its refinancing experts help clients reduce loan interest rates and lower monthly mortgage payments. The Hargrave Group also offers renovation loan programs such as homestyle renovation, FHA 203K, and FHA 203K Limited.

  • New Construction

10440 N. Central Expressway, Suite 802, Dallas, TX 75231
WebsiteLicense: 271448

Expertise.com Rating

Why choose this provider?

Mark Herrell is a loan specialist from Fairway Independent Mortgage, serving the Mesquite metro. Since 2003, he has been assisting clients in obtaining financing programs, including those seeking to replace their current loans. He offers refinancing plans, which help ease financial strains due to adjustable terms and rates. Mark donates a portion of his commissions from closed loans to Seed Effect, a non-profit organization that helps families in South Sudan combat poverty through business development.

  • New Construction
  • Reverse Mortgages

Compare our Top Mortgage Refinance Companies

NameExpertise RatingAddressPromotionsLearn more
Supreme Lending
14801 Quorum Drive Suite 300, Dallas, TX 75254
Stonebriar Mortgage
6220 Gaston Ave., Dallas, TX 75214
Aspire Lending
4100 Alpha Road, Suite 300, Dallas, TX 75244
Christian Johnson
3100 Monticello Ave. Ste. 150, Dallas, TX 75205
Hurst Lending
6060 N. Central Expressway Suite 500, Dallas, TX 75206
Grove Mortgage Home Loans of Dallas
5641 SMU Blvd., Suite 130, Dallas, TX 75206
Mortgage Professional Associates
4144 N Central Expy Suite 530, Dallas, TX 75204
Not Your Average Lender
310 East I30, Garland, TX 75043
BIC Mortgage Company, LLC
13151 Emily Rd Suite #100, Dallas, TX 75240
U.S. Lending Partner
2911 Turtle Creek Blvd #300, Dallas, TX 75219
William Ross Wright
100 Crescent Court 7th Floor, Suite 7005A, Dallas, TX 75201
Mercantile Mortgage
1401 N US 75-Central Expy 1000 # 100B, Richardson, TX 75080
The Hargrave Group at Homebridge
6130 La Vista Drive Suite 100, Dallas, TX 75214
Mark Herrell
10440 N. Central Expressway, Suite 802, Dallas, TX 75231

FAQs

  • 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.
  • Is it better to choose a cash-out refinance to consolidate your debts in Mesquite?

    Cash-out refinancing in Mesquite is a smart way to consolidate high-interest credit card debt or secure extra funds for non-essential purchases. By opting for a cash-out refinance, you can access your property's equity for various financial needs. It is up to you how you utilize the funds, but it is wiser to direct them toward long-term necessities, not short-term whims. Remember that tapping into these funds means committing to repaying them, along with interest, over the life of the new home loan.

  • What are the essential guidelines to consider before opting for a cash-out refinance in Mesquite?

    Here are the essential guidelines for a cash-out refinance in Mesquite:

    • Lender closing costs must be no more than 2%, excluding third-party fees.
    • Your new loan amount cannot exceed 80% of the home's value.
    • You must pay off any second mortgage before you refinance.
    • You must have had your current mortgage for at least six months or have not refinanced in the past 12 months.
    • FHA, VA, and USDA loans are not allowed for cash-out refinances.
  • How can you turn your equity into cash through mortgage refinancing in Mesquite?

    Converting your equity into cash through mortgage refinancing in Mesquite involves taking into account the portion of your property that you fully own. This is generally calculated as the difference between your home's value and the amount you owe to lenders. The mechanism of a cash-out refinance works by replacing your old loan with a new one, allowing you access to the difference between the two amounts. This process typically enables you to convert your available equity into liquid funds.

  • Can you refinance your mortgage twice in a year in Mesquite?

    In Mesquite, there is no specific overall limit on how many times you can refinance your mortgage in a year. However, Texas regulations do limit how often you can refinance. While you can refinance more than once, there are several factors that might affect whether you are eligible to do so twice in a single year. Things like your credit score, equity, debt-to-income ratio, and the type of loan you wish to go for will determine when you are able to refinance again.

  • What is the cons of a VA loan in Mesquite?

    In Mesquite, VA loans are restricted to veterans or military personnel, and there is an upfront funding fee, similar to the U.S. Department of Veterans Affairs' version of mortgage insurance. This type of loan does, however, come with benefits like low-interest rates, zero down payments, and no monthly mortgage insurance.

  • 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.