Best Mortgage Refinance Companies in Pharr

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American Mortgage Loans logo
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License: 2050536

Nationwide Multistate Licensing System and Registry

American Mortgage Loans

258 S Sam Houston Blvd, San Benito, TX 78586
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  • Commercial Loans

Business Description

American Mortgage Loans comprises consultants specializing in residential mortgages. It helps borrowers in the Pharr metro, catering to the loan needs of both first-time and experienced buyers. The provider assists clients with refinancing and purchasing. It offers a variety of loan options, such as fixed-rate, adjustable-rate, FHA, and VA loans. One customer has commended the staff at American Mortgage Loans for constantly following up with the client, while another praised the company for answering their queries accurately and honestly.

License Verified:

License: 2050536

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 (10)
Facebook
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
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Arca Mortgage logo
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License: 2327889

Nationwide Multistate Licensing System and Registry

Arca Mortgage

2023 S Border Ave, Weslaco, TX 78596
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  • New Construction

Business Description

Arca Mortgage provides refinancing solutions for property owners in Pharr and the surrounding locations. The mortgage firm advises refinancing when rates are 2 percent lower than the current rate on a loan. Its team assists in converting a mortgage to a VA loan, which has no minimum credit score requirement, no down payment, flexible terms, and loan amounts that vary depending on where the borrower lives. Additional programs are USDA, conventional, and FHA loans. Arca Mortgage also offers loans for commercial and agricultural properties.

License Verified:

License: 2327889

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 (12)

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
Canopy Mortgage logo
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License Verified:

License: 1359687

Nationwide Multistate Licensing System and Registry

Canopy Mortgage

McAllen, TX 78501
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  • Reverse Mortgages

Business Description

Canopy Mortgage helps clients in Pharr who are looking to purchase properties or refinance their homes. Through mortgage refinancing, it enables clients to lower their monthly payments, attain shorter terms, and cash out to pay high-interest debts or to fund renovation projects. It helps borrowers achieve their financial and homeownership goals through its three-step process of loan eligibility assessment, approval, and deal closure. Canopy Mortgage's owner, Danny Nassar, has been in the mortgage industry for over a decade.

License Verified:

License: 1359687

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.
4.0

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
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Detail
Vetted Notes, LLC logo
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License: 2009486

Nationwide Multistate Licensing System and Registry

Vetted Notes, LLC

1210 E Tyler Ave, Harlingen, TX 78550
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  • New Construction
  • Reverse Mortgages

Business Description

Vetted Notes, LLC, caters to clients across the Pharr metro and the neighboring cities. Its team serves individuals and families wishing to refinance their loans to obtain cash from their home's equity, allowing them to obtain funds for personal and home improvement expenses. The company also offers various loan options, such as FHA, VA, conforming, and jumbo, that suits clients' home-buying needs. Its team provides assistance to individuals wishing to purchase residential properties in rural communities.

License Verified:

License: 2009486

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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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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