Find Mortgage Refinance Companies in Temple, TX
Compare mortgage refinance companies in Temple. Review contact information and insurance categorys before you decide.
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State Mortgage Licensing Authority of Texas before hiring.
Showing 16 mortgage refinance companies in Temple, TX
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Mortgage refinance companies in Temple Texas help homeowners lower their interest rate, change loan terms, or access home equity. Texas law has specific rules for cash out refinances, including a 80 percent loan to value cap and a 12 day waiting period after application. Local lenders in Temple understand the Bell County real estate market and can guide you through the Texas Home Equity Section 50(a)(6) requirements.
What Does a Mortgage Refinance Company in Temple Cost?
Typical costs for a mortgage refinance in Temple Texas include an origination fee of 0.5 to 1 percent of the loan amount, an appraisal fee of 400 to 600 dollars, title insurance of 800 to 1,500 dollars, and recording fees of 30 to 100 dollars. Total closing costs often range from 2,000 to 5,000 dollars. Texas also charges a state mortgage tax of 0.25 percent on 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 percent of the home value. You must wait 12 days after applying before closing. The loan must be a first lien and you cannot have more than one home equity loan at a time.
How long does a mortgage refinance take in Temple Texas?
A standard refinance in Temple usually takes 30 to 45 days from application to closing. Texas requires a 12 day waiting period for home equity loans. Delays can happen if your appraisal or title work takes longer.