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2024

Last updated:

Best Mortgage Refinance Companies in Pasadena

Our Recommended Top 12

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 Pasadena 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.

92Reviewed

60Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
3526 Griggs Road, Houston, TX 77021
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Quality Lending Group, LLC, caters to clients in Pasadena. It provides mortgage refinance services to help borrowers find a lending program that offers lower interest rates and monthly payments. Various types of loans are on offer, including bank statement, conventional, and commercial loans. FHA, USDA, and VA loans, as well as reverse mortgages, are the other loan programs customers can choose from. Broker Cenaca Cyprian established the company in 2020. She helps with projects that aid the homeless and children who are in need of toys.

License Verified:

License: 2014622

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
Google
5.0 / 5 (25)
Facebook
5.0 / 5 (7)

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

Website
17047 El Camino Real Suite 150, Houston, TX 77058
  • New Construction

Why choose this provider?

Legend Lending is a mortgage company serving residential home buyers in Pasadena. It provides clients with refinancing solutions that assist them with lowering the rates of their loans, shortening their terms, paying fixed rates, or cashing out some of their home's equity. The firm also offers conventional loans, FHA mortgages, VA loans, jumbo mortgages, and programs for first-time home buyers. Advisers personally guide buyers throughout the loan process, from application to closing, in acquiring their main or second house and investment properties.

License Verified:

License: 2229322

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.
4.8
Google
4.8 / 5 (51)
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.
2.5
Responsiveness
Friendliness
Helpfulness
––
Detail
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Website
11550 Fuqua St, #210, Houston, TX 77034
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Catalyst Funding assists clients throughout the Pasadena metro and the surrounding areas who are looking into mortgage refinancing. The company's loan officers offer various refinancing options, which allow clients to pay less in interest or cash out equity to invest in real estate, pay off high-interest credit cards, or make home improvements. Catalyst Funding holds memberships with a number of real estate associations, including the Texas Real Estate Commission and the National Association of Realtors.

License Verified:

License: 1858600

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
Google
5.0 / 5 (213)
Facebook
5.0 / 5 (67)
Yelp
5.0 / 5 (5)

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

Website
2000 Crawford Suite 1690, Houston, TX 77002
  • New Construction

Why choose this provider?

Lux Financial Lending caters to the mortgage refinancing needs of borrowers in Pasadena. Its mortgage refinance options help clients obtain funds for home improvements or lower their monthly mortgage bills. It provides a variety of loan programs, including FHA, VA IRRRL, UWM USDA, bank statement, manufactured, and prime jumbo loans. It also offers conventional, investor flex, and doctor loan programs. The owner of Lux Financial Lending, Desmond Miller, oversees the day-to-day operations of the firm.

License Verified:

License: 1985245

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

Website
2500 West Loop South Suite 250, Houston, TX 77027
  • New Construction

Why choose this provider?

Secure Mortgage Company serves the greater Houston area, including Pasadena. Its loan officers help clients with the different aspects of obtaining financing solutions, from purchasing to refinancing. The products the firm offers are FHA, VA, and USDA mortgage loans. It also offers assistance for mortgage refinancing to help keep clients’ homes affordable for them. Secure Mortgage Company is a long-time member of the Houston Mortgage Bankers Association and the Houston Association of Mortgage Professionals.

License Verified:

License: 70160

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.
3.9
Google
3.9 / 5 (19)

Website
4532 Pasadena Blvd Suite C, Pasadena, TX 77503
  • Reverse Mortgages

Why choose this provider?

Capital Home Lending is a mortgage brokerage serving clients in the Pasadena metro and nearby communities. The company focuses on self-employed loans and construction and renovation financing. Its agents guide first-time home buyers with fixed-rate mortgages, a loan option that includes monthly principal and interests that do not change during the loan’s lifetime. Other programs include adjustable-rate and interest-only mortgages and FHA loans. The business has been in the refinancing industry for more than 15 years.

License Verified:

License: 1823051

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
Google
5.0 / 5 (114)
Facebook
5.0 / 5 (13)

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

Website
1506 E Broadway St., Pearland, TX 77581
  • Reverse Mortgages

Why choose this provider?

Mortgage Associates Houston's Low Rate Leader serves the loan needs of clients in Pasadena. It provides refinance options for a variety of property types, including manufactured, single-, and multi-family homes, as well as condominium units and townhouses. The company’s team of professionals offers mortgage rates such as fixed-rate, adjustable-rate, interest only, and graduated payments. In addition, it handles loan programs like FHA, VA, USDA, and jumbo. The company has funded over $150 million worth of loans.

License Verified:

License: 1739637

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

Website
7702 FM 1960 Road E., Humble, TX 77346
  • Reverse Mortgages

Why choose this provider?

Firehouse Mortgage is a company that offers refinance loans to residents of Pasadena. It has a team of loan originators with a combined 20 years of experience in the industry and helps homeowners who want better rates, shorter terms, or cash from equity through a range of home refinance options. It also offers conventional, FHA, VA IRRRL, and USDA loans. The family-oriented business believes in bringing integrity to its practices and hopes to relieve the stress of clients who want to buy a home for their families.

License Verified:

License: 1775668

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
4.8 / 5 (44)
Facebook
5.0 / 5 (18)

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

Website
5444 Westheimer Rd Suite 200, Houston, TX 77056
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Matador Lending is a Houston-based company catering to clients throughout Pasadena and the neighboring areas. It helps those who are looking to refinance their homes and guides them in navigating their loan and interest rate options. Its team offers a variety of loan programs for existing homeowners, new homebuyers, businesses, and investors. These include conventional, jumbo, FHA, VA, and non-qualified mortgage loans. This independent mortgage brokerage was established in 2019 by a team of mortgage professionals.

License Verified:

License: 1871433

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
Google
5.0 / 5 (153)
Facebook
4.9 / 5 (38)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
5920 Star Lane, Houston, TX 77057
  • New Construction

Why choose this provider?

Neider Mortgage assists homeowners in the Pasadena metro with their refinancing needs. It caters to borrowers who are looking to refinance their existing loans in order to reduce their interest rates and monthly mortgage payments. The company offers a variety of programs for clients, including HARP 2.0 refinance loans for homeowners who owe more on their home than their home is worth. Its owner, Sharon Neider, founded the company in 1992. She has more than three decades of experience in the mortgage industry.

License Verified:

License: 220487

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
Google
5.0 / 5 (38)
Facebook
5.0 / 5 (27)

Website
711 Milby St Suite 9A, Houston, TX 77023
  • New Construction

Why choose this provider?

Armando Alaniz is a mortgage professional at Bar None Mortgage Services, which serves the locals in and around Pasadena. The organization offers a variety of loan plans and types, including conventional. USDA, VA, jumbo, and FHA. It handles concerns that include down payment assistance for first-time home buyers and renovations. In addition, Armando assists clients in the full consultation, pre-approval, and refinancing stages. Armando Alaniz strives to keep clients informed throughout each step of the mortgage process.

License Verified:

License: 216014

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
4.9 / 5 (16)

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

Website
2404 S. Grand Blvd. Ste. 220A, Pearland, TX 77581
  • Reverse Mortgages

Why choose this provider?

Mortgage Options of Texas is a locally owned brokerage firm that serves clients in Pasadena. It assists homeowners looking to lower their monthly mortgage payments, shorten terms, and convert their existing program from adjustable-rate to fixed-rate mortgages. Its lending professionals provide home equity loan options, which allow borrowers to use their equities as collateral to pay off medical expenses and debts. Senior loan officer Dawn Imes leverages over 20 years of experience handling real estate, foreclosure law, credit repair, and refinance services.

License Verified:

License: 262588

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
Google
5.0 / 5 (17)
Facebook
5.0 / 5 (10)

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

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.
  • For a borrower in Pasadena, how can a home equity loan be different from a cash-out refinance?

    The home equity loan is considered a second mortgage in addition to the existing one. A cash-out refinance is distinct because it requires the new loan to cover more than the current one, and the difference will be the loan amount. Both are similar because the Pasadena home's equity will be used to secure funding from the lender.

  • If you have a TDHCA Mortgage Credit Certificate on your home in Pasadena, can you still refinance it?

    Yes, but your lender has to submit an MCC Refinance Loan Application to HTSHousing@HilltopSecurities.com as well as send the check payment to: Hilltop Securities Inc. Attention: Housing Department 717 N. Harwood St., Suite 3400 Dallas, Texas 7520 Other conditions include the new loan amount not exceeding the original mortgage's loan as of the refinancing date. Borrowers in Pasadena can email HTSHousing@HilltopSecurities.com or call 214-953-4176 if they have questions.

  • How can a homeowner in Pasadena save more on their monthly mortgage payments through refinancing?

    Low- to middle-income homeowners in Pasadena can try applying for the Freddie Mac Refi Possible® to save on their monthly mortgage payments. The program provides various options and flexible features that may be advantageous for homeowners with refinancing problems due to their income. Homes eligible for this program include owner- or non-owner-occupied properties, such as one-unit homes and manufactured houses.

  • Can getting a local lender in Pasadena for refinancing be better?

    Generally, local lenders are reputed to offer reliable service and are known to close loans in a timely manner. They can also provide the refinancing a borrower a more personal service through face-to-face meetings. They also tend to offer loan options that come in different terms, meaning you have a lot of choices better suited to your needs. In addition, you will be contributing to the Pasadena local economy and business community, which could benefit you down the line.

  • Should you refinance your mortgage in Pasadena if you have plans of relocating soon?

    This depends on whether you will be able to recoup refinancing costs before you relocate from Pasadena. There are some lenders that will waive some costs in exchange for a slightly higher interest rate. With this in consideration, try to refinance if there is a significant reduction in your debt or the potential to save a huge amount on your mortgage.

  • 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.