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Best Mortgage Refinance Companies in The Woodlands

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2023
Laurels

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A & K Mortgage logo

License Verified:

License: 1958373

Nationwide Multistate Licensing System and Registry

A & K Mortgage

25404 Highway 59 Suite 204, Porter, TX 77365
  • Reverse Mortgages

Business Description

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.

License Verified:

License: 1958373

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 (28)
Facebook
4.8 / 5 (17)

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
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Detail
CLM Mortgage logo

License Verified:

License: 215239

Nationwide Multistate Licensing System and Registry

CLM Mortgage

480 Wildwood Forest Dr. Ste. 802, Spring, TX 77380
  • New Construction
  • Reverse Mortgages

Business Description

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.

License Verified:

License: 215239

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.
4.4
Facebook
4.6 / 5 (71)
Google
4.3 / 5 (17)
Yelp
2.5 / 5 (6)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Commonwealth Mortgage logo
Visit WebsiteWebsite

License Verified:

License: 89745

Nationwide Multistate Licensing System and Registry

Commonwealth Mortgage

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11133 I-45 South Suite 310A, Conroe, TX 77302
  • New Construction

Business Description

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.

License Verified:

License: 89745

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 (12)
Facebook
5.0 / 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
Crystal Clear Mortgage logo
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License Verified:

License: 311686

Nationwide Multistate Licensing System and Registry

Crystal Clear Mortgage

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18001 Hwy 105 West Suite 109, Montgomery, TX 77356
  • Multi-Family Loans

Business Description

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.

License Verified:

License: 311686

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 (102)
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
Gumbeaux Lending Group, PC logo
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License Verified:

License: 1854397

Nationwide Multistate Licensing System and Registry

Gumbeaux Lending Group, PC

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2001 Timberloch Place Suite 500, The Woodlands, TX 77380
  • New Construction
  • Reverse Mortgages

Business Description

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.

License Verified:

License: 1854397

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
4.7 / 5 (13)
Mortgage Masters of Texas logo
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License Verified:

License: 1964020

Nationwide Multistate Licensing System and Registry

Mortgage Masters of Texas

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11133 Interstate 45 South, Suite 310A, Conroe, TX 77302
  • Multi-Family Loans

Business Description

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.

License Verified:

License: 1964020

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 (34)
Google
5.0 / 5 (22)

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
Preferred Home Lending logo
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License Verified:

License: 230098

Nationwide Multistate Licensing System and Registry

Preferred Home Lending

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418 W 19th St #847, Houston, TX 77008
  • New Construction
  • Reverse Mortgages

Business Description

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.

License Verified:

License: 230098

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 (19)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Richard Yeppez logo
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License Verified:

License: 1025520

Nationwide Multistate Licensing System and Registry

Richard Yeppez

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13615 Kluge Road Ste 100, Cypress, TX 77429
  • New Construction
  • Reverse Mortgages

Business Description

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.

License Verified:

License: 1025520

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 (24)

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
Spring Mortgage logo
Visit WebsiteWebsite

License Verified:

License: 2072285

Nationwide Multistate Licensing System and Registry

Spring Mortgage

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500 Spring Hill Dr, Ste 140, Spring, TX 77386
  • New Construction

Business Description

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.

License Verified:

License: 2072285

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 (16)
Facebook
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
Texas Premier Mortgage logo
Visit WebsiteWebsite

License Verified:

License: 898360

Nationwide Multistate Licensing System and Registry

Texas Premier Mortgage

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25325 Borough Park Dr.Suite 210, The Woodlands, TX 77380
  • New Construction
  • Reverse Mortgages

Business Description

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.

License Verified:

License: 898360

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 (85)
Google
5.0 / 5 (63)

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
Texas United Mortgage logo

License Verified:

License: 129122

Nationwide Multistate Licensing System and Registry

Texas United Mortgage

2170 Buckthorne Pl Suite 100, The Woodlands, TX 77380
  • New Construction
  • Reverse Mortgages

Business Description

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.

License Verified:

License: 129122

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 (42)

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
Traditions Mortgage Group logo
Visit WebsiteWebsite

License Verified:

License: 1824987

Nationwide Multistate Licensing System and Registry

Traditions Mortgage Group

Visit WebsiteWebsite
2001 Timberloch Place Suite 500, The Woodlands, TX 77380
  • New Construction

Business Description

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.

License Verified:

License: 1824987

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 (14)
Facebook
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
Vince Gutierrez Mortgage logo
Visit WebsiteWebsite

License Verified:

License: 351689

Nationwide Multistate Licensing System and Registry

Vince Gutierrez Mortgage

Visit WebsiteWebsite
20020 Hickory Twig Way, Spring, TX 77388
  • New Construction

Business Description

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.

License Verified:

License: 351689

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 (2)

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
Vogler Mortgage logo
Visit WebsiteWebsite

License Verified:

License: 1164470

Nationwide Multistate Licensing System and Registry

Vogler Mortgage

Visit WebsiteWebsite
118 Vintage Park Blvd., Suite W700, Houston, TX 77070
  • New Construction
  • Reverse Mortgages

Business Description

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.

License Verified:

License: 1164470

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.
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 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.

  • How does mortgage refinance work?

    The mortgage refinance process begins with choosing a broker and filling out loan application information. The process continues through underwriting and closing. The new mortgage is then used to pay off and close your original mortgage loan. This leaves you with a new loan and mortgage payment to manage each month.

  • When should you refinance a mortgage?

    If your credit score has improved or mortgage interest rates have dropped, refinancing can potentially save you money. Other reasons to refinance your mortgage include getting a fixed rate instead of an adjustable one or getting a shorter loan term. An increase in your home’s value that can let you access more equity is another reason to refinance.

  • How much does it cost to refinance a mortgage?

    The average cost to refinance a mortgage is $5,000. This amount varies, based on the state and county where the property is located and the loan amount. Common fees incurred when refinancing a mortgage include:

    • Appraisal fee
    • Broker’s fee
    • Credit check fee
    • Loan application fee
    • Recording fee
    • Title search and insurance fee

  • How soon can you refinance a mortgage?

    Some lenders make borrowers wait a minimum of six months before accepting a new mortgage refinancing application. However, when that happens, borrowers can check with other lenders to find one that doesn’t require a wait before refinancing. A mortgage refinance broker can guide you to lenders that allow immediate refinancing.

  • How long does it take to refinance a mortgage?

    The average amount of time it takes to refinance a mortgage is 45 days. In some cases, it may be possible to get it done faster. There also may be times when it takes longer to get a mortgage refinanced.