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Best Mortgage Refinance Companies in Richardson

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D&H Lending logo

D&H Lending

13355 Noel Road, Suite 1360, Dallas, TX 75240
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  • Cash-out Refinance
  • Purchase Transactions
  • Refinance
  • Purchase
  • New Construction

D&H Lending is a boutique mortgage company that serves home buyers and owners in Richardson and the nearby areas. The company specializes in various home loans, which include real estate refinancing options for different kinds of properties, such as single-family homes, townhomes, condominiums, and multi-family properties. Its loan officers can help clients explore rates, costs, programs, and scenarios, lock their rates, complete underwriting property-specific items, and sign closing documents. D&H Lending has been helping Texans with their mortgage needs since 2005.

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Edgestone Financial logo

Edgestone Financial

15150 Preston Road, Suite 300, Dallas, TX 75248
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  • Reverse Mortgages
  • New Construction

Edgestone Financial provides home lending solutions to clients in Richardson and nearby cities. It aids people and families who wish to modify the terms or rates of their current mortgages. A refinancing program also enables borrowers to withdraw cash from their home equity, which they can use to make home improvements, pay for college tuition, and settle debts. To make the mortgage process easier for borrowers, the agency uses technological platforms, like online application systems, and manages the entire process internally.

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Les Lobel logo

Les Lobel

17304 Preston Road, Suite 800, Dallas, TX 75252
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  • New Construction

Les Lobel of V.I.P. Mortgage, Inc., is a loan officer who serves the Richardson area. He provides refinancing solutions to help his clients adjust their loan terms, acquire cash outs, remove the PMI, and lower their interest rates and payments. Lobel also handles conventional and inclusive mortgage programs, as well as loans for renovation and construction purposes. His company has lent more than $25 billion across 28 states and was included by the Mortgage Executive Magazine in its Top 100 Mortgage Companies in America list.

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Mortgage Goat logo

Mortgage Goat

14800 Quorum Drive, Ste 110,, Dallas, TX 75254
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  • New Construction

Mortgage Goat is a mortgage brokerage catering to the purchase and refinance needs of Richardson clients. It handles a variety of lending programs including FHA, VA, jumbo and conventional loans. It also has cash-out refinance, ITIN, DACA, and USDA mortgages. Branch manager JC Mier was named by Top10DALLAS as a 2022 Top 10 DFW Mortgage Professional, with over $2.5 billion in loan volume and 10,000 units financed. He and his team at Mortgage Goat provide inclusive service with bilingual support.

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NRL Mortgage logo

NRL Mortgage

2435 North Central Expressway, Suite 1260, Richardson, TX 75080
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  • New Construction

NRL Mortgage offers different loan programs that address the financial needs of clients in Richardson. Its staff members assist applicants in refinancing their existing loans for improved financial security, debt payment, optimized interest rates, and reduced monthly payments. They are available on a 24/7 basis for inquiries and clarifications concerning changes in local mortgage rates and trends in the real estate market. They also participate in volunteer work and outreach efforts alongside local non-profit groups through the firm's NRL Cares program.

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On Time Lending, LLC logo

On Time Lending, LLC

14850 Montfort Dr., Dallas, TX 75254
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  • Reverse Mortgages

On Time Lending, LLC, provides mortgage services to clients across Richardson and the surrounding areas. It helps individuals lower their mortgage interest rates by refinancing their existing loan programs. It also offers to cash out their homes' equity for debt consolidation, educational funds, or home improvements. Its team also offers various loan programs, such as VA and FHA, for clients wishing to purchase their primary or investment homes. On Time Lending has been operating in the industry for more than three decades.

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Supreme Lending logo

Supreme Lending

12160 Abrams Rd., Ste 411, Dallas, TX 75243
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  • Commercial Loans
  • New Construction

Supreme Lending caters to the needs of clients in the Richardson metro and the surrounding areas. It provides a variety of loan programs, including jumbo, conventional, adjustable-rate, and fixed-rate. In addition, the firm offers government options such as FHA and VA. Its team of loan officers assists customers who are looking to purchase or refinance assets like primary homes, secondary residences, and investment properties. Supreme Lending has more than 20 years’ worth of industry experience.

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Team Pierson logo

Team Pierson

12160 Abrams Rd., Suite 411, Dallas, TX 75243
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  • New Construction
  • Reverse Mortgages

Team Pierson of Supreme Lending caters to clients in Richardson and its surrounding areas. It helps homeowners lower their monthly payments, revise loan terms, or cash out their equity through mortgage refinancing. It provides various loan options for investment properties, secondary homes, and primary residences. These include conventional, jumbo, FHA, VA, and adjustable- and fixed-rate loans. Team Pierson assists customers throughout the loan process, from the loan application, setup, and processing to underwriting and closing. Supreme Lending has been in the industry since 1999 and is licensed in all 50 states.

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William Ross Wright logo

William Ross Wright

100 Crescent Court 7th Floor, Suite 7005A, Dallas, TX 75201
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William Ross Wright is a loan officer with Nexa Mortgage serving people in Richardson. He guides homebuyers and homeowners through the refinancing process to change the terms of their mortgages, reduce their interest rates, or take cash out of their home's equity. He offers conforming, fixed-rate, and adjustable-rate loans, as well as VA, FHA, and USDA home loans. William and other Nexa Mortgage loan officers consider changes in market conditions and mortgage programs when providing financial advice to borrowers.

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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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