Best Mortgage Refinance Companies in Round Rock

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Austin Mortgage Associates logo

Austin Mortgage Associates

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

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.

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HomeTown Texas logo

HomeTown Texas

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

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.

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JB Mortgage Group logo

JB Mortgage Group

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

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.

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Lombardi Lending logo

Lombardi Lending

1318 Shotgun Court, Pflugerville, TX 78660
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  • New Construction
  • Reverse Mortgages

Lombardi Lending offers mortgage solutions to clients in Round Rock and surrounding areas. It provides refinancing options on homes and other real estate properties based on unique criteria and scenarios of clients. It also works with those seeking fixed-rate, adjustable rate mortgage, conforming, jumbo, and super jumbo loans. FHA, VA, USDA, and 203K loans are also offered with terms from five to 30 years. The Lombardi Lending team is comprised of loan originator Amanda Lombardi and loan coordinator John Moszocki.

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Main St. Mortgage logo

Main St. Mortgage

801 S Main St., Georgetown, TX 78634
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  • Commercial Loans

Main St. Mortgage provides Round Rock residents with assistance in finding and applying for mortgage options and refinancing plans tailored to their financial needs and circumstances. It offers government-supported lending options like FHA and VA loans alongside lending options with fixed or adjustable rates. For clients with existing mortgages, its staff provides them with refinancing analyses and professional consultations to help them choose refinancing plans suited to their criteria. Branch manager Michael Howard has over a decade of experience in the financial services industry.

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Parker Couch logo

Parker Couch

3800 N. Lamar Blvd., Ste. 200, Ofc. 2100, Austin, TX 78756
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  • New Construction

Parker Couch is a branch manager at mortgage banker Homestar, serving the residents of Round Rock. He helps clients reduce their interest rates and consolidate consumer debt into mortgages through refinancing. Parker determines borrowers' eligibility to refinance their loans by considering their assets, income, and credit scores. As a full-service mortgage banker, Homestar performs in-house loan processing, underwriting, and closing transactions. The lender has been in operation since 2002. It is licensed to conduct business in 28 states.

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ZippyHomeLoans.com logo

ZippyHomeLoans.com

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

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.

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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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