Best Mortgage Refinance Companies in Odessa

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Chris Karns logo
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License: 918977

Nationwide Multistate Licensing System and Registry

Chris Karns

223 W Wall St, Midland, TX 79701
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  • Commercial Loans

Business Description

Chris Karns provides mortgage refinance solutions to residents of Odessa and the surrounding areas. He is a loan officer from Integrity First Financial. He helps individuals and families achieve their financial goals by connecting them with various lenders. FHA, USDA, and VA loans are among the programs he provides. Clients have the option to obtain a pre-approval letter, compare mortgage programs, and search for properties using a set of tools that can be accessed through Chris' website.

License Verified:

License: 918977

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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HNB Mortgage logo
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License: 226999

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HNB Mortgage

2101 West Wadley, Suite 36, Midland, TX 79705
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  • FHA, VA, Conventional
  • NMLS #205935

Business Description

HNB Mortgage provides financing solutions to Odessa and the neighboring areas. It works with clients looking for lending programs to refinance their current mortgages, purchase primary and secondary residences, and invest in new income-producing properties. Loan types available include FHA, VA, and conventional. HNB Mortgage's team of processors, underwriters, and loan closing specialists helps borrowers throughout the lending process, keeping them informed about the status of their loans by sending frequent updates and progress reports.

License Verified:

License: 226999

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (41)
Facebook
4.8 / 5 (40)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Patty Marquez Group logo
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License: 278552

Nationwide Multistate Licensing System and Registry

Patty Marquez Group

825 John Ben Shepperd Pkwy., Ste. 5, Odessa, TX 79761
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  • Reverse Mortgages

Business Description

Patty Marquez Group offers mortgage refinancing solutions to clients living in Odessa. It helps families obtain their dream homes by catering to first-time home buyers or those looking for refinancing options at lower rates. The group operates under Cardinal Financial Company and provides home refinancing options covering fixed rates, adjustable rate mortgages, conforming loans, jumbo and super jumbo loans, and FHA, VA, and USDA loans. Patty Marquez Group has more than five decades of combined experience in the mortgage industry.

License Verified:

License: 278552

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
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5.0 / 5 (10)
Quicklender.com logo
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License: 621110

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Quicklender.com

4305 N. Garfield Street, Suite 213A, Midland, TX 79705
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  • New Construction

Business Description

Quicklender.com is a mortgage service provider catering to the refinancing goals of homeowners in the Odessa metro. Operated by mortgage broker Julie Wong, it provides refinancing options through conventional, USDA, and FHA loans. Wong and her team assist borrowers in preparing paperwork, searching and comparing different lender rates, and handling the closing process. Wong has been serving clients for more than 20 years. She designs financial solutions for foreign nationals, commercial property buyers, and ITIN professionals.

License Verified:

License: 621110

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Sarai Torres logo
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License: 809188

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Sarai Torres

4555 E University D-5, Odessa, TX 79762
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  • New Construction

Business Description

Sarai Torres is a loan officer representing Benchmark Mortgage in Odessa. She speaks fluent Spanish and has been in the mortgage industry for over a decade. She assists clients with mortgage refinance needs, helping them secure the loan for cashing out equity, reducing interest rates, and lowering monthly mortgage payments. Her process involves online and in-person consultation, which checks for employment, assets, and credit scores for pre-approval. Torres also caters to veterans through The Veterans Home Front, Benchmark Mortage's loan programs for active and retired military personnel.

License Verified:

License: 809188

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
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Frequently Asked Questions

What should you expect when refinancing a mortgage?

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.

How often should you refinance your mortgage?

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.

Can you refinance a first mortgage and not a second?

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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