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Compare mortgage refinance companies in DeSoto. Review contact information and insurance categorys before you decide.
10 agents listed
Updated May 2026
DeSoto, 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 10 mortgage refinance companies in DeSoto, 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.
Tower Loan
1120 E Pleasant Run Rd Ste 407, DeSoto, TX 75115
4699621111
LTI Mortgage / Hybrid Agent Homes
1801 N Hampton Rd #458, DeSoto, TX 75115
2149152016
OneMain Financial
921 W Belt Line Rd Ste 133, DeSoto, TX 75115
9722285688
Heights Finance
1510 N Hampton Rd Suite 200, DeSoto, TX 75115
9722689830
Justice Finance Co
243 N Hampton Rd, DeSoto, TX 75115
9722834700
Optimum Funding Solutions
224 Dalton Dr A, DeSoto, TX 75115
9723257233
PNC Mortgage
225 N Hampton Rd, DeSoto, TX 75115
9722234950
Commercial Lending DeSoto,TX
1001 Robbie Mince Wy, DeSoto, TX 75115
4697078433
Chase Mortgage
721 W Belt Line Rd, DeSoto, TX 75115
9722744301
Chase Home Lending
900 N Polk St #100, DeSoto, TX 75115
8043883935
Mortgage refinance companies in DeSoto Texas help homeowners lower their interest rate or change loan terms. Texas law has specific rules for cash-out refinances, including a 80% loan-to-value limit on homestead properties. These companies guide you through the process and ensure compliance with state regulations.
What Does a Mortgage Refinance Company in DeSoto Cost?
Typical costs for a mortgage refinance in Texas include an appraisal fee of $400 to $700, title insurance of $1,000 to $2,500, and lender origination fees of 0.5% to 1% of the loan amount. Recording fees and escrow setup add several hundred dollars. Total closing costs usually range from 2% to 5% of the loan amount. 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 home equity refinance rule?
Texas law limits cash-out refinances to 80% of the home value. You must also wait 12 months after your last refinance to do another cash-out loan. This rule protects homeowners from over-borrowing.
How long does a mortgage refinance take in DeSoto Texas?
A typical refinance in Texas takes 30 to 45 days from application to closing. The timeline can vary based on appraisal scheduling and document processing. Texas requires a 3-day rescission period after signing.
Do I need a survey for a Texas refinance?
Texas law often requires a new survey or a survey affidavit for refinances. This confirms property boundaries and ensures no encroachments. Your lender will tell you if a survey is needed for your loan.
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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.