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Compare Mortgage Refinance Companies in Cibolo, TX
Directory of mortgage refinance companies in Cibolo, Texas. Verify credentials with the state mortgage licensing authority before hiring.
3 agents listed
Updated May 2026
Cibolo, 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 refinance companies in Cibolo, 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.
Hamilton Real Estate Group - Tamala Hamilton
177 Brush Trail Ln, Cibolo, TX 78108
2103928116
Mortgage Lender Cibolo Texas
103 Falcon Dr, Cibolo, TX 78108
2109411578
Mortgage lender Cibolo TX
700 FM78, Cibolo, TX 78108
2107626179
Mortgage refinance companies in Cibolo, Texas help homeowners lower their interest rate, change loan terms, or access cash. Texas law has specific rules for home equity refinancing, including a 12-month waiting period after purchase and a limit of 80 percent loan-to-value. Local lenders can guide you through these requirements and help you find a suitable loan product.
What Does a Mortgage Refinance Company in Cibolo Cost?
Typical costs for a mortgage refinance in Texas include an origination fee of 0.5 to 1 percent of the loan amount, appraisal fees of 400 to 700 dollars, and title insurance and escrow fees of 1,000 to 2,500 dollars. Total closing costs often range from 2 to 5 percent of the loan amount. These costs vary by lender, loan type, and property value. 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 is the waiting period to refinance a home in Texas?
Texas law requires a 12-month waiting period after the purchase date before you can refinance a home equity loan. This rule is part of Section 50(a)(6) of the Texas Constitution. You may refinance a conventional loan sooner if it does not involve home equity cash out.
Can I refinance a home equity loan in Texas for cash out?
Yes, but Texas law limits cash out refinancing to 80 percent of the home value. You must also wait 12 months after the previous loan closing. The loan must comply with Texas Constitution Section 50(a)(6), which includes a three day rescission period after closing.
What documents do I need to refinance in Cibolo Texas?
Typical documents include recent pay stubs, tax returns for two years, bank statements, and a copy of your current mortgage statement. You will also need proof of homeowners insurance and a valid ID. Lenders may request additional items based on your financial situation.
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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.