Compare Mortgage Refinance Companies in San Antonio, TX
Browse mortgage refinance companies serving San Antonio, Texas. Contact information and addresses listed below.
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
State Mortgage Licensing Authority of Texas before hiring.
Showing 20 mortgage refinance companies in San Antonio, 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.
Mortgage refinance companies in San Antonio help homeowners replace their existing home loan with a new one often to get a lower interest rate or change loan terms. Texas has specific laws under Section 50(a)(6) of the Texas Constitution that limit cash-out refinancing to 80% of the home value. This rule protects homeowners but means you must work with a company that understands local regulations.
What Does a Mortgage Refinance Company in San Antonio Cost?
Typical costs for a mortgage refinance in Texas range from 2% to 5% of the loan amount. For a $200,000 loan this means $4,000 to $10,000 in fees including origination charges appraisal and title insurance. Texas also charges a state mortgage tax of $0.10 per $100 of loan amount. These costs vary by lender loan type and property value. This is general information 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 refinancing to 80% of your home value. This means you cannot borrow more than 80% of what your home is worth. The rule comes from the Texas Constitution and applies to all lenders in the state.
How long does a refinance take in San Antonio?
A standard mortgage refinance in Texas usually takes 30 to 45 days from application to closing. Delays can happen if an appraisal or title work is needed. Your lender will give you a timeline estimate at the start.
Do I need a home appraisal to refinance in Texas?
Most refinance loans in Texas require a home appraisal to confirm the property value. Some streamline programs like FHA or VA may waive this. Your lender will tell you if an appraisal is needed for your loan type.