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Showing 2 mortgage refinance companies in Cross Roads, 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.
Efinity Mortgage
8300 US-380 #400, Cross Roads, TX 76227
9729542620
Team Texas at Efinity Mortgage
8300 US-380, Cross Roads, TX 76227
9729789791
What Does a Mortgage Refinance Company in Cross Roads 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 dollars, and title insurance costs of 1,000 to 2,000 dollars. Closing costs generally total 2% to 5% of the loan principal. Texas law also requires a state-specific surcharge for certain loans. 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 Texas cash-out refinance limit?
Texas law limits cash-out refinances to 80% of the home appraised value. This rule is part of the Texas Constitution Section 50(a)(6). You cannot refinance for more than this amount on a cash-out loan.
How long does a Texas refinance typically take?
A standard mortgage refinance in Texas usually takes 30 to 45 days from application to closing. The timeline can vary based on appraisal scheduling and lender workload. Texas law requires a three-day right of rescission after signing.
Do I need a home appraisal for refinancing in Cross Roads?
Yes, most refinance lenders require a new home appraisal to confirm the property value. The appraisal cost in Texas typically ranges from 400 to 600 dollars. This helps determine your loan-to-value ratio and eligibility.