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Directory of mortgage lenders in Red Oak, Texas. Verify credentials with the state mortgage licensing authority before hiring.
3 agents listed
Updated May 2026
Red Oak, TX
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Texas before hiring.
Showing 3 mortgage lenders in Red Oak, TX
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Trinity Oaks Mortgage
421 Century Way #100, Red Oak, TX 75154
4695054663
Supreme Lending- The Statewide Group
200 N Interstate 35 E Rd, Red Oak, TX 75154
4694374366
Kyle Vecsey - Trinity Oaks Mortgage
420 Century Way, Red Oak, TX 75154
9723517933
Mortgage lenders in Red Oak, Texas help home buyers and homeowners secure financing for property purchases and refinances. Texas law requires specific disclosures like the Texas Home Equity Section 50(a)(6) notice for cash-out refinances. Local lenders understand the Red Oak real estate market and can guide you through the loan process.
What Does a Mortgage Lender in Red Oak Cost?
Typical costs for a mortgage in Texas include an origination fee of 0.5% to 1% of the loan amount, appraisal fees from $400 to $700, and title insurance averaging $1,000 to $2,500. Closing costs generally range from 2% to 5% of the loan amount. Texas also charges a state mortgage tax of $0.10 per $100 of the loan. These costs vary by lender and loan type. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What documents do I need to apply for a mortgage in Red Oak Texas?
You will need proof of income such as pay stubs and tax returns, bank statements, photo ID, and details on your debts and assets. Texas lenders also require a credit report and may ask for a property appraisal.
How long does it take to close a mortgage loan in Texas?
A typical mortgage closing in Texas takes 30 to 45 days. Texas law mandates a three business day right of rescission for refinances, which can add time. Delays can occur if appraisal or title work takes longer.
What are the Texas-specific rules for home equity loans?
Texas law under Section 50(a)(6) of the state constitution limits home equity loans to 80% of the home value. You must wait 12 months after buying the home to take out a home equity loan. The lender must provide a detailed disclosure and you have three days to cancel.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Texas.