Best Mortgage Refinance Companies in Waco

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Bradley Dragoo logo
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License: 270043

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Bradley Dragoo

3923 S. General Bruce Drive, Temple, TX 76502
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  • Reverse Mortgages

Business Description

Bradley Dragoo guides individuals and families in Waco and nearby metros in buying or refinancing a home. He and his fellow loan originators and processors provide clients with financial flexibility through refinancing by lowering monthly payments, shortening loan terms, getting cash from the equity, and paying off higher interest debt. They also discuss various mortgage options and the benefits of having their own property. Dragoo works as the local branch manager of Fairway 365 Independent Mortgage Corporation.

License Verified:

License: 270043

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
4.9 / 5 (83)
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
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Guild Mortgage logo
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License: 1256396

Nationwide Multistate Licensing System and Registry

Guild Mortgage

6544 S General Bruce Drive Suite A, Temple, TX 76502
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  • New Construction
  • Reverse Mortgages

Business Description

Guild Mortgage caters to Waco clients. It assists homeowners seeking to refinance their loans to help them attain lower interest rates. As part of its work process, the company orders an appraisal of the client's property to determine its value. VA, FHA, and USDA-backed loans are also offered for first-time homebuyers. The company has been in the industry for more than four decades. Its CEO, Mary McGarry, is a board of directors member of the Mortgage Bankers Association. She holds a bachelor's degree in accounting.

License Verified:

License: 1256396

Nationwide Multistate Licensing System and Registry

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
McCulloch Mortage Team logo
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License Verified:

License: 1281536

Nationwide Multistate Licensing System and Registry

McCulloch Mortage Team

600 Lake Air Suite 1B, Waco, TX 76710
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  • New Construction

Business Description

McCulloch Mortgage Team serves Waco residents seeking home refinancing. It assists with various scenarios, from getting cash out of the home's equity to lowering interest rates by converting an adjustable-rate mortgage into a fixed-rate. Its team shops for loan products from over 40 lenders to find options suited to the client's situation. The team members are Military Home Specialists certified by the Boots Across America program. The company strives to deliver a convenient experience by providing straightforward mortgage calculators, and paperwork and loan process guides.

License Verified:

License: 1281536

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)
Facebook
5.0 / 5 (11)
Yelp
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
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Frequently Asked Questions

What should you expect when refinancing a mortgage?

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.

How often should you refinance your mortgage?

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.

Can you refinance a first mortgage and not a second?

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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