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2024

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Best Mortgage Refinance Companies in Sugar Land

Our Recommended Top 14

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Sugar Land Mortgage Refinance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

59

Reviewed

41

Curated

14

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
16525 Lexington Blvd. Suite 200, Sugar Land, TX 77479
  • Reverse Mortgages
  • New Construction
  • Resale Purchase
  • Home Equity Cash Out
  • Refinance

Why choose this provider?

Champions Mortgage is a brokerage that helps borrowers in Sugar Land refinance their existing mortgages. It offers adjustable-rate, fixed-rate, and interest-only home financing options, as well as VA and FHA loans. The brokerage emphasizes transparency in its real estate transactions by comparing loan estimates from various lenders and evaluating title services. Its founder, Joel Mathew, learned about residential mortgage lending while working for JP Morgan Chase in 2015. Champions Mortgage has funded over $100 million in loans since 2017.

License Verified:

License: 1706471

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.
4.9
Google
4.9 / 5 (238)
Facebook
4.5 / 5 (10)

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
––

Website
77 Sugar Creek Center Blvd.,Suite 270, Sugar Land, TX 77478
  • New Construction

Why choose this provider?

UnionMae Mortgage, Inc., works with property buyers and investors in and around Sugar Land. Its team serves the real estate needs of individuals and families who want to acquire single- and multi-family homes, townhouses, and condominiums. The company helps clients develop refinancing solutions to consolidate debts, reduce monthly payments and interest rates, and cash-out equity for home improvements. It guides borrowers in filing current appraisal and income verification documents. UnionMae Mortgage also provides jumbo and investment property mortgage loans.

License Verified:

License: 2106018

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 (4)

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
14090 Southwest Freeway, Suite 300, Room 361, Sugar Land, TX 77478
  • Reverse Mortgages

Why choose this provider?

Sutherland caters to the needs of borrowers in Sugar Land and the surrounding locations. Its mortgage loan consultants assist homeowners planning to refinance existing loans to either fund home improvements using cash from equity, lower interest rates, or switch from adjustable- to fixed-rate mortgages. They help clients determine their eligibility, which will be based on their assets, income, credit score, and their property's current value. Jumbo, VA, and 15- and 30-year loans are some of the programs Sutherland offers.

License Verified:

License: 9891

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.
4.9
Google
4.9 / 5 (195)

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
2245 Texas Drive, Suite 300, Sugar Land, TX 77479
  • Reverse Mortgages

Why choose this provider?

Sims Mortgage Team serves residents in Sugar Land and nearby areas. It helps borrowers achieve their refinancing goals by recommending loan options that reduce mortgage terms or rates and lower monthly payments. It provides home equity and cash-out refinance loans for multiple purposes, including paying various expenses like medical bills, travel costs, and college tuition. The company also offers VA, FHA, and reverse loans. Mortgage broker Simran Patel has experience working in real estate, banking, hospitality, and insurance industries.

License Verified:

License: 2035595

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 (8)

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
2245 Texas Dr. Suite 300,, Sugar Land, TX 77479
  • New Construction

Why choose this provider?

HomeTrust Financing is a local mortgage broker that caters to clients in the Sugar Land metro. It offers home purchase loans and refinancing options for individuals wishing to acquire or invest in real estate. Its loan solutions include FHA, VA, USDA, conventional, bank statement programs, investor no-doc programs, and reverse mortgages. The loan firm is of the opinion that accumulating wealth shouldn't necessitate having an excellent credit score and a sizable down payment.

License Verified:

License: 2151259

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 (33)
Facebook
5.0 / 5 (21)

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
800 Bonaventure Way Suite 102, Sugar Land, TX 77479
  • Reverse Mortgages

Why choose this provider?

Top Mortgage, LLC, offers refinancing options to Sugar Land homeowners. Among its programs is the cash-out refinance, which allows property owners to withdraw cash to fund their child's education. The company also assists spouses planning to refinance their homes following a divorce. In addition, home buyers can consult with the firm's loan originators for FHA, VA, Jumbo, conventional, and bank statement mortgage programs. Top Mortgage has been serving the community for more than 19 years.

License Verified:

License: 1491362

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 (18)

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
23218 Red River Dr., Katy, TX 77494
  • New Construction

Why choose this provider?

HomeWay Mortgage provides services across the Sugar Land metro and the surrounding areas. It offers to help homeowners refinance their mortgage loans to change their rates or terms. It also assists individuals and families applying for mortgage loans, such as jumbo, USDA, FHA, and VA, to purchase homes that suit their needs and budget. In addition to mortgage refinancing and home purchase loans, the company carries construction, hard money, second lien, and disaster relief loans. HomeWay Mortgage extends its services to Brownsville, Amarillo, Houston, Corpus Christi, Midland, and Austin.

License Verified:

License: 214884

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 (179)
Facebook
4.9 / 5 (29)
Yelp
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
Responsiveness
Friendliness
Helpfulness
Detail

Website
14100 Southwest Freeway # 470, Sugar Land, TX 77478
  • New Construction

Why choose this provider?

Empower Home Lending accommodates property owners and real estate investors in and around Sugar Land. The facility provides a variety of residential loan options, such as jumbo, VA, conventional, FHA, and fixed-rate mortgages. Its loan officers help clients throughout the home refinancing, selling, and purchasing process, including inspecting the property's electrical, foundation, and structure. Empower Home Lending partners with multiple nationwide lenders, like US Bank and PenFed, to compare rates and custom-design loan programs. It is also a Fannie Mae and Freddie Mac direct lender.

License Verified:

License: 874171

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 (11)

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
––

Website
800 Bonaventure Way #159, Sugar Land, TX 77479
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Point Capital Services is a financial company in Sugar Land that helps borrowers with their home purchasing and mortgage refinancing needs. It provides loan programs and mortgage-related products to residential and commercial customers. With the help of its partnership with other companies, it enables them to close more deals and complete transactions at lower rates. Point Capital Services aims to guide its clients in making informed decisions by educating them on homeownership pricing, costs, and rates.

License Verified:

License: 2094446

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 (51)

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
800 Bonaventure Way Ste 107, Sugar Land, TX 77478
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Discovered Homes Investment, Inc., offers real estate and mortgage services in the Sugar Land community. The company has been in the industry for over 20 years, working with customers refinancing their current mortgage to lower their down payment or change the terms. It also assists individuals in finding a home that fits their budget and lifestyle through loan programs. These programs include conventional, FHA, and VA loans. Additionally, the firm has a down payment assistance program for low and medium-income families.

License Verified:

License: 284779

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.
4.9
Google
4.9 / 5 (155)
Facebook
4.9 / 5 (46)
Yelp
4.5 / 5 (7)

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
2245 Texas Dr Suite 300, Sugar Land, TX 77479
  • Reverse Mortgages

Why choose this provider?

Mattie Mae Financial Services is a mortgage company serving the people of Sugar Land and nearby areas. It works with more than 100 investors, enabling it to help customers get rates that match their financial needs and requirements. Among the services the company offers is mortgage refinancing for homeowners who wish to lower their homes’ interest rates. Clients also have the option to cash out their home’s equity. The firm's other areas of expertise are VA, jumbo, and commercial loans.

License Verified:

License: 1492939

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.
4.5
Facebook
4.8 / 5 (27)
Google
4.3 / 5 (22)
Yelp
1.0 / 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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
10707 Corporate Drive Suite 100-A, Stafford, TX 77477
  • New Construction

Why choose this provider?

Dream Makers Mortgage, LLC, caters to clients in Sugar Land and the surrounding areas. It helps homeowners have more control over their finances by offering them a variety of mortgage refinancing options. It guides clients through the decision-making process, helping them choose among the available programs, such as interest-only, fixed-rate, adjustable-rate, and graduated payment mortgages. The firm also offers jumbo, FHA, VA, and USDA loans. It has calculators on its website that clients can use to estimate their monthly payments.

License Verified:

License: 2244116

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 (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
2245 Texas Dr. Suite 300, Sugar Land, TX 77479
  • Reverse Mortgages

Why choose this provider?

Amerifirst Home Loans is a company that serves families and individuals in Sugar Land and nearby cities. Its team of loan officers offers a wide range of mortgage products to fit its client's needs and budgets, such as fixed-rate, adjustable-rate, FHA, VA, and jumbo loans. These refinancing programs allow clients to consolidate debt, keep monthly payments low, reduce interest rates, and borrow funds from home equity. The company also helps finance investment properties and second homes.

License Verified:

License: 995506

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.
4.6
Google
4.5 / 5 (44)
Facebook
5.0 / 5 (7)

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
77 Sugar Creek Center Blvd., Sugar Land, TX 77478
  • Reverse Mortgages

Why choose this provider?

Codemark Financial is a locally owned and operated business that serves real estate investors and first-time homebuyers in Sugar Land and the surrounding areas. For over a decade, the company has offered various mortgage refinancing options, such as USDA, VA, FHA, and cash-out refinance. Owner and mortgage broker Mark MacInerney has helped over 1,000 families in refinancing, selling, and buying properties. Codemark Financial provides other programs, like fixed-rate mortgages, jumbo, rehab, and investment property loans.

License Verified:

License: 361097

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
4.8 / 5 (62)

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.
  • How is Sugar Land impacted by potential increases in CRE loan interest rates?

    Sugar Land could see a significant portion of its commercial properties struggle with refinancing due to rising commercial real estate loan interest rates. Within the Houston-The Woodlands-Sugar Land region, 37.1% of properties might have issues at a 5.5% interest rate, showcasing a debt service coverage ratio under 1.25 times. Especially vulnerable are the office and lodging sectors in this region, registering at 61.7% and 87.6%, respectively.

  • When can residents of Sugar Land pursue another cash-out refinance?

    In Sugar Land, homeowners must pause for an entire year after finalizing a cash-out refinance before initiating another refinancing move. The deal remains under the cash-out category even if no cash is withdrawn in subsequent refinancing due to the state's “once a Texas cash-out, always a Texas cash-out” stipulations. Hence, the 80% loan-to-value cap will consistently apply, even if borrowers don't extract extra cash.

  • Is acquiring a cash-out refinance in Sugar Land easier than other refinancing options?

    Securing a cash-out refinance in Sugar Land tends to be simpler than some alternative refinancing routes. Numerous credit avenues, including conventional loans and HELOCs, typically require borrowers to possess FICO® Scores surpassing 660. In contrast, cash-out refinance procedures are more lenient about credit rating prerequisites. Consequently, this option emerges as a viable choice for individuals holding average or even subpar credit records.

  • Can Sugar Land homeowners with high-rate mortgages due to poor credit refinance for better terms?

    Homeowners in Sugar Land who previously acquired mortgages at higher rates due to unfavorable credit records can, later on, seek more favorable terms through refinancing. Such inflated rates frequently result in amplified overall interest expenses. As their fiscal trustworthiness improves, the borrowers' chance to refinance and possibly curtail the additional interest charges over the loan's duration becomes viable.

  • How can homeowners in Sugar Land consolidate their debt using a refinance loan?

    Sugar Land homeowners can consolidate their debt using a refinance loan, which entails taking a new mortgage to settle multiple debts, resulting in one consolidated payment. One significant advantage of this strategy is the typically reduced interest rates offered by refinance loans compared to other loans. Moreover, certain refinance options allow homeowners to tap into their property's equity, yielding additional funds for varied necessities.

  • 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.