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Best Mortgage Refinance Companies in Round Rock

2024

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Website
301 Denali Pass Unit#1, Cedar Park, TX 78613
  • Refinance
  • Purchase

Why choose this provider?

ZippyHomeLoans.com comprises Shalinee and Sunit Bhardwaj, mortgage advisors based out of Austin who cater to prospective mortgage applicants in and around the area, including Round Rock. They offer tailor-made refinancing solutions for clients. These include adjustable- and fixed-rate mortgages, which provide options for reduced interest rates and home equity cash-outs. They employ an informative approach by providing applicants with comprehensive reports on financial risks, property value changes, and potential monthly payments involving each offered plan. Shalinee and Sunit also assist those who wish to apply for conventional, VA, USDA, FHA, and non-QM loan programs.

License Verified:

License: 212369

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 (14)

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
Austin, TX 73301

Why choose this provider?

Home Loans by JCI is a full-service company that serves clients in the Round Rock metro and the surrounding areas. It offers traditional mortgage options including home equity, conventional, FHA, VA, USDA, and jumbo loans. It also has a second chance purchase program available for borrowers who are experiencing or have experienced foreclosure, short sale, and bankruptcy. The company's website has a mortgage calculator tool that can help clients get an idea of how much their monthly payment is going to be.

License Verified:

License: 2336238

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)

Website
12731 Research Blvd, Bldg A, Suite #100, Austin, TX 78759
  • New Construction

Why choose this provider?

Capital City Mortgage is a residential and commercial mortgage brokerage company that serves clients in Round Rock. It offers home refinancing services with various mortgage plans, including conventional and government loans with fixed-rate, adjustable, and combination rates. Loan types include USDA, FHA, VA, and reverse. It also provides a bad credit home loan program that assists borrowers to bring up their credit scores to qualify for home purchases. Capital City Mortgage has access to over 50 financial institutions.

License Verified:

License: 390864

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.
4.3

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
3800 N Lamar Blvd. Suite 200, Austin, TX 78756
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Mortgage Austin is a service provider that offers refinancing solutions to borrowers in the Round Rock area. The company helps homeowners refinance existing mortgages to rate-and-term, cash-out, and cash-in programs. Its loan officers advise clients regarding prepayment penalties, closing costs, industry guidelines, and financial tips. They assist in navigating the refinancing process from assessment and application to underwriting and funding. Founder Anthony Ferrando started his career in the real estate financing industry in 2012 as a Realtor.

License Verified:

License: 1919613

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
14205 N Mopac Expressway, Suite 550, Austin, TX 78728
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Ken Calvert is a senior loan officer that assists clients in Round Rock to refinance their mortgages. He provides clients with options to reduce interest rates, decrease monthly amortization, adjust the term of the loan, or cash out from their home's equity. Calvert has more than 20 years of experience in the industry. He is a retired veteran with more than 20 years of active reserve service and active duty as a USAF C-5 Flight Engineer.

License Verified:

License: 220865

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
8834 N Capital of Texas Hwy Suite 150, Austin, TX 78759
  • Reverse Mortgages

Why choose this provider?

JB Mortgage Group serves individuals and families in Round Rock and the surrounding areas. It specializes in reducing clients' monthly mortgage payments, lower rates, and consolidating high-interest debts by refinancing their existing loan programs. It also offers cash-out refinance solutions for individuals wishing to obtain cash from their home's equity. In addition to refinancing services, its team serves homebuyers needing FHA, jumbo, and VA loan programs. The company's founder, Justin Boyd, started his career in the mortgage industry in 2006.

License Verified:

License: 227765

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.
4.7
Google
4.8 / 5 (40)
Facebook
4.7 / 5 (14)
Yelp
4.5 / 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

Website
1717 N Mays St., Round Rock, TX 78664
  • Reverse Mortgages

Why choose this provider?

Austin Mortgage Associates serves Round Rock homeowners and buyers. It offers mortgage refinancing programs for a variety of residential properties, including single-family homes, multi-family residences, condominiums, townhouses, and manufactured homes. Its refinance advisors help clients narrow down their program options based on their personal and financial requirements. They also offer loan programs such as FHA, VA, Jumbo, USDA, fixed-rate, ARM, and interest-only mortgages. The firm—which is a certified Divorce Lending Practice—has closed over $500,000 worth of mortgage plans since 2000.

License Verified:

License: 269148

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
4.6 / 5 (33)
Facebook
5.0 / 5 (13)
Yelp
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
337 Wilbarger Pt, Georgetown, TX 78626
  • Reverse Mortgages
  • New Construction

Why choose this provider?

56 Home Loans is a locally owned and operated mortgage broker that serves individuals and families in Round Rock and the surrounding areas. It assists with mortgage refinancing, which reduces clients' mortgage terms or monthly payments. Its refinancing programs also help clients consolidate high-interest debt or get cash out. The brokerage refinances different types of properties, including single-family and multi-family homes, townhouses, and condominiums. The professionals of 56 Home Loans have more than three decades of mortgage experience.

License Verified:

License: 1821320

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 (36)

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
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Website
13809 Research Blvd, 500, Austin, TX 78750
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Forty Acres Lending is a mortgage company that serves Round Rock with a focus on residential home loans. It helps move-up purchasers, self-employed, veterans, and first-time home buyers obtain a house or mortgage refinancing. With loan refinance, clients may reduce their DTI, interest rates, and monthly payments. Forty Acres Lending is a family-owned business that has been in the mortgage industry since 1999. It is headquartered in Austin and also operates in Fort Collins, Colorado.

License Verified:

License: 862188

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
9600 Great Hills Trail Suite 150W, Austin, TX 78759
  • New Construction

Why choose this provider?

HomeTown Texas is an Austin-based brokerage that offers services in communities throughout Round Rock. Its staff has a selection of loan programs and refinancing options that accommodate the financial goals and needs of first-time homebuyers and those with existing mortgages. It is led by the agency's owner, Ryan Leahy, who is a Certified Mortgage Planning Specialist. HomeTown Texas also has a proprietary mobile application that grants access to relevant resources and allows applicants to upload required files and documents.

License Verified:

License: 65084

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.
4.7
Facebook
4.7 / 5 (35)
Google
5.0 / 5 (1)

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
3000 Polar Lane Suite #502, Cedar Park, TX 78613
  • New Construction

Why choose this provider?

Nina Thomason is a residential mortgage loan officer serving clients in Round Rock. She provides first-time home buyers with programs like conventional loans, fixed and ARMs, FHA, and VA loans. The agent also assists borrowers and investors with various residential home mortgage solutions like refinance, new purchases, investment properties, and vacation houses, helping families and individuals fulfill their goals of having their dream homes. Nina's team of loan processors assists clients step by step throughout the application process.

License Verified:

License: 1636721

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)

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

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.
  • Should Home Sweet Home borrowers in Round Rock refinance their homes?

    Those in Round Rock who buy their homes through the Texas State Affordable Housing Corporation’s Home Sweet Home Loan program are advised not to refinance until after three years. This is because the loan will be fully forgiven if one stays in the home for that time period without refinancing or selling the home.

  • Can My First Texas Home borrowers in Round Rock refinance their homes?

    While those in Round Rock who buy 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. The program offers a 30-year fixed-rate mortgage loan with a below-market interest rate to first-time homebuyers.

  • How soon Round Rock homeowners take out a cash-out refinance?

    Homeowners in Round Rock typically need to have their existing mortgage for at least six months before they can be eligible for a cash-out refinance. There must also be at least 12 months in between cash-out refinances. In addition, those with an existing home equity line of credit or home equity loan will have to pay off the loan first.

  • What is the loan-to-value ratio in a Round Rock cash-out refinance?

    In a cash-out refinance in Round Rock, the loan-to-value ratio is one’s new loan amount versus their home’s value. Most lenders enforce a maximum loan-to-value ratio of 80%, thus leaving at least 20% equity untouched when cashing out. For example, a borrower with a home value of $400,000 may be permitted to borrow up to $320,000.

  • What are the fees associated with Round Rock mortgage refinancing?

    Those in Round Rock 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. Texas had one of the highest average closing costs nationwide for a single-family home refinance in 2021.

  • 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.