Best Mortgage Refinance Companies in Pearland

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Christopher Basso logo

Christopher Basso

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

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.

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Clearlake Lending logo

Clearlake Lending

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

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.

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DAR Mortgage Corp logo

DAR Mortgage Corp

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

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.

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Gateway Mortgage - Lake Jackson logo

Gateway Mortgage - Lake Jackson

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

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.

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Legend Lending logo

Legend Lending

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

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.

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Mortgage Associates Houston's Low Rate Leader logo

Mortgage Associates Houston's Low Rate Leader

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

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.

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Mortgage Options of Texas logo

Mortgage Options of Texas

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

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.

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My Mortgage Ace logo

My Mortgage Ace

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

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.

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WhyRent4Life.com logo

WhyRent4Life.com

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

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.

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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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