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Directory of mortgage refinance companies in Baytown, Texas. Verify credentials with the state mortgage licensing authority before hiring.
16 agents listed
Updated May 2026
Baytown, 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 16 mortgage refinance companies in Baytown, 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.
TitleMax Title Loans
4612 W Cedar Bayou Lynchburg Rd, Baytown, TX 77521
Mortgage refinance companies in Baytown Texas help homeowners adjust their loan terms or lower their interest rates. Texas law has specific rules for cash-out refinances, including a 80% loan-to-value limit on homestead property. These companies guide you through the process and ensure compliance with state regulations.
What Does a Mortgage Refinance Company in Baytown Cost?
Typical costs for a mortgage refinance in Texas include an origination fee of 0.5% to 1% of the loan amount, an appraisal fee of $400 to $600, and title insurance which can cost $1,000 to $2,000. Closing costs usually range from 2% to 5% of the loan amount. This is general information and does not constitute 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 is the Texas homestead rule for refinancing?
Texas law limits cash-out refinances to 80% of the home value for homestead property. This rule protects homeowners from borrowing too much against their primary residence. Your lender will verify this limit during the application process.
How long does a refinance take in Baytown Texas?
A typical refinance in Texas takes 30 to 45 days from application to closing. The timeline can vary based on the lender workload and your property appraisal. Texas law requires a 3-day rescission period after closing for most refinances.
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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.