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2024

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Best Mortgage Refinance Companies in The Woodlands

Our Recommended Top 14

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored The Woodlands 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.

67Reviewed

45Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

118 Vintage Park Blvd., Suite W700, Houston, TX 77070
WebsiteLicense: 1164470

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Review Sources

Google
5.0 (11)

Why choose this provider?

Vogler Mortgage is a brokerage that helps people in The Woodlands pay their existing home loans with new mortgages through refinancing. To help clients realize their homeownership and real estate dreams, it offers various mortgage loan programs, including conforming, fixed-rate, and adjustable-rate. Its loan consultants utilize modern technologies to assist borrowers in evaluating financing options and prequalifying for home loans, including interactive calculators. Vogler Mortgage strives to provide quality customer service with competency, honesty, and integrity.

  • New Construction
  • Reverse Mortgages

11133 I-45 South Suite 310A, Conroe, TX 77302
WebsiteLicense: 89745

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Google
5.0 (12)
Facebook
5.0 (12)

Why choose this provider?

Commonwealth Mortgage provides services to clients in The Woodlands and the surrounding areas. Its team of advisors specializes in helping individuals refinance their existing mortgage loans suitable for their financial needs and goals. The agency also carries various loan options, such as adjustable-rate and fixed-rate, FHA, hybrid ARMs, jumbo, conventional, and conforming loans, for clients wishing to purchase their primary or investment homes. Cash-out loans are also available. Commonwealth Mortgage brings 32 years of experience in the industry.

  • New Construction

418 W 19th St #847, Houston, TX 77008
WebsiteLicense: 230098

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Review Sources

Facebook
5.0 (19)

Why choose this provider?

Preferred Home Lending is a full-service mortgage company that serves clients throughout The Woodlands and the surrounding areas. It has been in business since 2008, handling the mortgage refinancing needs of clients, whether they are looking into reducing monthly payments, cashing out some of their equity, or consolidating existing debts. Loan options are also available for first-time home buyers and experienced property investors. The firm extends its home loan services to clients in Colorado and Arkansas.

  • New Construction
  • Reverse Mortgages

25404 Highway 59 Suite 204, Porter, TX 77365
WebsiteLicense: 1958373

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Google
4.8 (28)
Facebook
4.8 (17)

Why choose this provider?

A & K Mortgage is a wholesale brokerage that serves The Woodlands and nearby areas. Its mortgage specialists walk clients through the loan application and closing process for both home purchases and refinances. During consultations, they check borrowers' income status, available savings or assets, and credit history to establish a program that will work for them. They also educate clients about home buying to help them make informed decisions. Founder Kristen Bradley has more than 18 years of experience in financial accounting.

  • Reverse Mortgages

25325 Borough Park Dr.Suite 210, The Woodlands, TX 77380
WebsiteLicense: 898360

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Facebook
5.0 (85)
Google
5.0 (63)

Why choose this provider?

Texas Premier Mortgage serves The Woodlands neighborhoods and the surrounding communities. It offers refinancing options that include cash-out, FHA, conventional to VA, and USDA. Its team of agents also provides a variety of products that help with reducing payment or the length of a loan's term. Texas Premier Mortgage is operated by professionals who work with clients to help them achieve their financial goals, whether purchasing their dream home, refinancing an outstanding loan, or consolidating debts.

  • New Construction
  • Reverse Mortgages

18001 Hwy 105 West Suite 109, Montgomery, TX 77356
WebsiteLicense: 311686

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Facebook
5.0 (102)
Google
5.0 (9)

Why choose this provider?

Crystal Clear Mortgage has been serving clients in The Woodlands since 2008. It offers refinancing options that help clients cash out equity, get lower rates, or transform the loan terms to reduce monthly payment costs. It provides fixed-rate and adjustable-rate mortgages and conforming and non-conforming conventional loan types. VA and FHA loan options are also available. Crystal Clear Mortgage co-owners Bryan Ward and Adam Simmons have over four decades of combined experience in the industry.

  • Multi-Family Loans

480 Wildwood Forest Dr. Ste. 802, Spring, TX 77380
WebsiteLicense: 215239

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Facebook
4.6 (71)
Google
4.3 (17)
Yelp
2.5 (6)

Why choose this provider?

CLM Mortgage is a private lending firm that has been in business since 2006. It offers financing solutions to clients in The Woodlands looking to purchase homes, whether resale or new construction. Its partnership with established investors enables the company to provide a variety of financing options, including conventional, USDA, VA, and FHA loans. CLM Mortgage aims to make the lending process simple by providing products that have flexible qualification requirements. It is a preferred lender of Chesmar Homes.

  • New Construction
  • Reverse Mortgages

11133 Interstate 45 South, Suite 310A, Conroe, TX 77302
WebsiteLicense: 1964020

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Facebook
5.0 (34)
Google
5.0 (22)

Why choose this provider?

Mortgage Masters of Texas caters to clients in The Woodlands and nearby cities. It works with homeowners seeking to adjust their monthly loan payments, rates, and terms through a refinancing mortgage. The refinancing program is also available to those who wish to use the equity in their houses, pay off debts, and make renovations to their homes. Maria Cantu Gonzales, one of the agency's residential mortgage officers, has more than two decades of experience in mortgage lending and real estate investment industries.

  • Multi-Family Loans

2001 Timberloch Place Suite 500, The Woodlands, TX 77380
WebsiteLicense: 1824987

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Google
5.0 (14)
Facebook
5.0 (8)

Why choose this provider?

Traditions Mortgage Group offers services to customers in The Woodlands and its surrounding areas. It provides mortgage refinancing products that help clients reduce their monthly payments and interest rate. Its refinance solutions also change the length or term of their current mortgage. The company assists first-time home buyers and real estate investors in qualifying for a purchase loan program. Brooke Mason, a broker with the company, has more than five years of experience in the industry.

  • New Construction

2170 Buckthorne Pl Suite 100, The Woodlands, TX 77380
WebsiteLicense: 129122

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Review Sources

Google
5.0 (42)

Why choose this provider?

Texas United Mortgage helps homeowners and homebuyers in The Woodlands finance their home loans. The lender assists clients in switching from an adjustable-rate to a fixed-rate mortgage, reducing loan terms from 30 to 15 years, and cashing out home equity. Its loan officers, who have over 30 years of combined industry experience, offer conventional, jumbo, and reverse mortgages, as well as VA and FHA loans. The mortgage lender's branch manager, Reef Merhi, mentors and works with borrowers, loan officers, and Realtors.

  • New Construction
  • Reverse Mortgages

13615 Kluge Road Ste 100, Cypress, TX 77429
WebsiteLicense: 1025520

Expertise.com Rating

Review Sources

Google
5.0 (24)

Why choose this provider?

Richard Yeppez is the regional manager for retail lending of Next Mortgage, which offers loans to The Woodlands. He has refinancing options for homeowners who want to lower their interest rates and monthly payments, switch from an adjustable rate to a fixed rate, stop paying mortgage insurance, or obtain cash from their homes' equity. Yeppez also provides conventional, FHA, VA, USDA, jumbo, all-in-one, and 203K renovation loans, as well as Fannie Mae HomeReady and Freddie Mac Home Possible mortgages.

  • New Construction
  • Reverse Mortgages

2001 Timberloch Place Suite 500, The Woodlands, TX 77380
WebsiteLicense: 1854397

Expertise.com Rating

Review Sources

Google
4.7 (13)

Why choose this provider?

Gumbeaux Lending Group, PC, provides solutions to clients in The Woodlands. It offers home refinancing services that shorten the term of the customer's current loan program and lower their payments. The company offers VA, FHA, and RD home loan programs. Its team also assists clients planning to build a home, providing the builders with updates on the loan progress from application to funding. Gumbeaux Lending Group has over 25 years of experience in the industry.

  • New Construction
  • Reverse Mortgages

500 Spring Hill Dr, Ste 140, Spring, TX 77386
WebsiteLicense: 2072285

Expertise.com Rating

Review Sources

Google
5.0 (16)
Facebook
5.0 (9)

Why choose this provider?

Spring Mortgage is a local mortgage brokerage accommodating borrowers in The Woodlands. It offers a variety of loan programs with different mortgage rate options for customers looking to purchase or refinance their homes. Founders Daniel Perez and Jason Myatt, along with their team of loan professionals, have over 50 years of combined experience in the finance and real estate industry. They strive to give a seamless mortgage experience by pre-qualifying clients before the underwriting which eases the loan process.

  • New Construction

20020 Hickory Twig Way, Spring, TX 77388
WebsiteLicense: 351689

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Vince Gutierrez Mortgage serves The Woodlands residents considering home refinancing. It assists homeowners in obtaining home equity cash-out and refinancing loans. The mortgage broker also provides conventional, VA, FHA, and HELOC loans to homebuyers, as well as investor loans for fix-and-flip and rental properties. Its loan originators take the time to understand the client's refinancing goals and present options based on their specific situation. In addition, Vince Gutierrez Mortgage helps foreign nationals and no-income individuals navigate the mortgage system.

  • New Construction

FAQs

  • 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 to qualify for an FHA streamline refinance in The Woodlands?

    To qualify for an FHA streamline refinance in The Woodlands, borrowers must have a solid payment history for the past three months and only one late payment in the past year. They must wait a minimum of 210 days before being approved for the program, and their new loan cannot exceed the amount of their initial mortgage. To qualify for an FHA streamline refinance, applicants in The Woodlands must also submit a copy of their driver's license and a mortgage note.

  • Who are eligible to apply for a VA loan in The Woodlands?

    Besides for veterans and their surviving spouses, VA loans are available for service members who completed a six-year training in the National Guard or Selected Reserves. Members of the National Guard who served at least 90 days, were discharged honorably, and were activated on or before August 2, 1990, can apply for VA loans. In addition, individuals who were discharged due to disability and served less than six years are still eligible for the mortgage program in The Woodlands.

  • Is there any down payment assistance program in The Woodlands?

    The Woodlands offer the Montgomery County Home Fund Program to residents who have not owned a home in the past three years and have a pre-existing home or new home with a sales price not exceeding $261,000 or $268,000. Participants must have a debt-to-income ratio of 45% and a home that meets HQS inspection requirements. To qualify for the down payment assistance program in The Woodlands, the direct home subsidy per household must not exceed $12,000.

  • How to remove Private Mortgage Insurance in The Woodlands?

    Borrowers in The Woodlands are responsible for requesting the cancellation of Private Mortgage Insurance (PMI) once their home equity reaches 20 percent through principal payments. However, lenders required an appraisal to demonstrate that the borrowers' home equity exceeded 20%. Borrowers must have a solid payment history and not have a second mortgage on their property. Additionally, they must wait a minimum of two years before approving the cancellation of PMI.

  • What is included in the mortgage payment in The Woodlands?

    The principal loan amount and interest are included in The Woodlands mortgage payments. The cost of homeowner's insurance is included in the mortgage payment and is dependent on the borrower's credit score, loan-to-value ratio, and type of property. In The Woodlands, real estate property taxes or escrow, which fund road construction and public schools, are also included in mortgage payments.

  • 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.