Expertise.com

Best Mortgage Refinance Companies in Pearland

2024

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls
Mortgage Refinance Companies FAQs 〉

Providers

Last updated:

Website
Manvel, TX 77578
  • New Construction

Why choose this provider?

Legacy Home Loans has mortgage refinancing options available for its clients in the Pearland area and nearby metros. These include either rate or term refinancing, or straight-up cash-outs. It also offers VA, FHA, DSCR, 203K, conventional, and bank statement loan programs. It also has loan products for available for first-time home buyers, self-employed clients, and property investors. Owner Lisa Carter has been in the industry for more than 20 years. Her firm is an Equal Housing Lender.

License Verified:

License: 2002472

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
Facebook
5.0 / 5 (7)
Google
5.0 / 5 (4)

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
207 That Way, Ste. C, Lake Jackson, TX 77566
  • Reverse Mortgages

Why choose this provider?

Gateway Mortgage - Lake Jackson serves individuals and families in the Pearland metro. It assists clients who want to purchase, refinance, and renovate or build residential properties. The privately-held company offers different types of mortgage programs, such as second lien, jumbo buster, lot, and jumbo loans. It also helps customers process the necessary documents, including paystubs, bankruptcy discharge papers, mortgage and retirement statements, and W2 forms. Gateway Mortgage has been in operation for more than two decades.

License Verified:

License: 7233

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
Facebook
4.8 / 5 (2897)
Google
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
Friendliness
Helpfulness
Detail

Website
2743 Smith Ranch Road Ste 303, Pearland, TX 77584
  • New Construction

Why choose this provider?

Peabody Capital Lending, LLC, caters to the mortgage refinancing needs of homeowners in Pearland. It strives to make the home refinance process easier for clients by guiding them every step of the way. It provides a variety of loan programs, including FHA, USDA, VA, jumbo, and conforming loans. It also offers five- to 30-year term loans and fixed- and adjustable-rate mortgages. Clients may start their application by filling out the home refinance analysis request form on the company's website.

License Verified:

License: 2002223

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 (5)

Website
730 FM 1959 Rd, Suite 200, Houston, TX 77034
  • Reverse Mortgages

Why choose this provider?

DAR Mortgage Corp. is a local mortgage broker catering to property owners and prospective buyers in Pearland and surrounding areas. It aids clients in securing loans to purchase homes, refinance mortgages, and leverage equity. Its selection of programs includes FHA, VA, USDA, and jumbo loans with various interest rates and payment options. DAR Mortgage Corp. offers a convenient mortgage financing experience with direct access to loan officers through the Loanzify app and useful tools and resources on its site.

License Verified:

License: 1917501

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 (9)

Website
17047 El Camino Real, Houston, TX 77058
  • Reverse Mortgages

Why choose this provider?

Legend Lending provides Pearland residents with mortgage options and refinancing solutions. It finances and refinances primary residences, investment properties, and second homes. Its selection of lending programs includes fixed- and adjustable-rate loans, jumbo mortgages, and government-backed programs like USDA and FHA loans. The company assists homeowners with refinancing their existing mortgages, guiding them through the process of restructuring their current lending options for benefits like lower monthly payments and terms. One of the company's financial professionals, Joel Redmond, has over 25 years of industry experience.

License Verified:

License: 229421

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)

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
––

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

Why choose this provider?

Mortgage Options of Texas provides mortgage refinancing options to clients in Pearland. It offers home refinancing programs to assist clients in paying off debts, reducing monthly amortization, accelerating the loan payment scheme, and reducing the rate of interest. Its staff evaluates clients' mortgage needs to create a refinancing plan that fits their budget and preferences. Dawn Imes, Mortgage Option's senior loan officer, is among the top 100 agents nationwide, and she has over 20 years of experience in the real estate and loan industry.

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

Website
5050 Westheimer Rd #140, Houston, TX 77056
  • New Construction
  • Reverse Mortgages

Why choose this provider?

WhyRent4Life.com works with Pearland clients. The company addresses the homeowners' concerns regarding the refinancing process. It provides specialized calculators to educate clients on the implications of their financial decisions and help them fulfill goals like lowered interest rates. The company also supports individuals in achieving their homeownership goals through various loan options, from FHA and VA programs to fixed-rate and adjustable-rate mortgages. It maintains a social media page that contains posts on multiple topics, including market trends and kitchen design tips.

License Verified:

License: 174457

Nationwide Multistate Licensing System and Registry

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 handles the refinancing needs of clients throughout Pearland and the surrounding metros. It caters to clients who have purchased various types of homes, including single-family homes, manufactured dwellings, condominium units, townhouses, and multi-family buildings through mortgage. Its loan officers assist clients in lowering their interest rates or monthly payments, consolidating existing debts, adjusting loan rates or terms, or cashing out some of their home equity. To date, the firm has funded $150 million in 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
Google
5.0 / 5 (42)
Facebook
5.0 / 5 (15)

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
804 S. Friendswood Drive, Suite 118, Friendswood, TX 77546
  • New Construction

Why choose this provider?

Christopher Basso is a loan originator with NRL Mortgage serving individuals and families in Pearland and neighboring areas. He offers a conventional loan that is not backed by the government. Among the advantages of this loan are the various terms available and the fact that investment properties and second homes are eligible. FHA loan is another option that involves a smaller down payment, leniency on past significant credit events, and less restrictive credit requirements. Other products are VA, USDA, and jumbo loans.

License Verified:

License: 218179

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 (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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1322 Space Park Dr. #C105-B, Houston, TX 77058
  • Reverse Mortgages

Why choose this provider?

My Mortgage Ace serves clients in Pearland and the surrounding areas. Its refinance options include conventional and VA loans. Its loan professionals draft refinancing plans based on the clients' mortgage needs. They discuss all of the available options with borrowers so they can choose the right refinance program or decide whether refinancing is the best course of action. The San Diego-based mortgage company also offers a variety of specialty programs, such as foreign national, investor, condo, and self-employed loans.

License Verified:

License: 1763641

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 (6)

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
3803 Pine Green Trail, Houston, TX 77059
  • Reverse Mortgages

Why choose this provider?

Clearlake Lending is a full-service mortgage brokerage serving Pearland. The company offers mortgage refinance programs to individuals looking to trade in their current mortgage for a new loan. Its mortgage brokers walk borrowers through every step of the process, from pre-approval to underwriting and closing. Some of its refinancing options include cash-out, rate-and-term, and conventional loans. The team also assists clients in removing or adding another person to their mortgage plan. The company's owner, Liping Zhang, previously worked in academic research before transitioning into the mortgage industry.

License Verified:

License: 2257581

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.
4.6

Frequently Asked Questions

  • 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.
  • Can My First Texas Home borrowers in Pearland refinance their homes?

    While those in Pearland who bought their homes through the Texas Department of Housing and Community Affairs’ My First Texas Home program are permitted to refinance, they must pay their loan back in full once they do so. First-time homebuyers can benefit from its 30-year fixed-rate mortgage loan with a below-market interest rate.

  • Do state loan programs prevent Pearland homeowners from refinancing?

    Most programs offered by the Texas State Affordable Housing Corporation require borrowers in Pearland to pay the loan back in full if they refinance or sell the home. An example is the Home Sweet Texas Home Loan Program, which offers a zero-interest second mortgage that will be fully forgiven after three years if the borrower does not refinance.

  • Can mobile homes in Pearland be refinanced?

    Yes, you can refinance mobile or manufactured homes in Pearland. However, they must be titled as real property, located on land owned by the borrower, and be a minimum of 12 feet wide and 400 square feet in size. The home must also comply with the building standards set by the U.S. Department of Housing and Urban Development.

  • What is the median cash-out refinance loan amount in Pearland?

    The median loan amount of hard money cash-out refinances in Pearland is $381,250. Lenders operating in the metro offer a 70% loan-to-value ratio on such loans, with a mean origination fee of 3.1%. In addition, the area sees a median interest rate of 10.8% for private loans and a mean length of 34 months offered for notes.

  • What are the fees associated with Pearland mortgage refinancing?

    Those in Pearland who wish to refinance their mortgages will have to pay for the costs of the application, loan origination, home appraisal, survey, title search and insurance, and attorney. They may also have to pay property taxes and prepayment penalties. In 2021, Texas had one of the highest average closing costs nationwide for a single-family home refinance at $3,588.

  • 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.