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Directory of mortgage refinance companies in Farmersville, Texas. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Farmersville, 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 2 mortgage refinance companies in Farmersville, 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.
Commercial Bank of Texas, N.A.
201 S State Hwy 78, Farmersville, TX 75442
9727827054
Change Home Mortgage
131 McKinney St #203, Farmersville, TX 75442
8056604072
Mortgage refinance companies in Farmersville 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 and a 12-day waiting period after application. Local lenders can guide you through these requirements and help you find a suitable loan product.
What Does a Mortgage Refinance Company in Farmersville Cost?
Typical costs for a mortgage refinance in Texas include an appraisal fee of $400 to $700, origination fees of 0.5% to 1% of the loan amount, and title insurance which can cost $1,000 to $2,000. Closing costs generally range from 2% to 5% of the loan principal. 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 is the Texas homestead law for refinancing?
Texas law protects your primary residence as a homestead. For a cash-out refinance, you cannot borrow more than 80% of your homes value. You also have a right to rescind the loan within three business days after closing.
How long does a mortgage refinance take in Farmersville?
A typical refinance in Texas takes 30 to 45 days from application to closing. The process includes appraisal, underwriting, and a mandatory 12-day waiting period for cash-out loans. Delays can occur if additional documents are needed.
What documents do I need for a refinance in Texas?
You will need recent pay stubs, tax returns, bank statements, and a copy of your current mortgage. Texas lenders also require a valid government ID and proof of homeowners insurance. Self-employed borrowers may need additional profit and loss statements.
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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.