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Compare Mortgage Refinance Companies in Texas City, TX
Browse mortgage refinance companies serving Texas City, Texas. Contact information and addresses listed below.
4 agents listed
Updated May 2026
Texas City, 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 4 mortgage refinance companies in Texas City, 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.
Texan Credit Corporation
3311 Palmer Hwy, Texas City, TX 77590
4099410610
Security Finance
2813 Palmer Hwy, Texas City, TX 77590
4099454252
Wellby Financial
2300 Gulf Fwy, Texas City, TX 77591
2814887070
Regional Finance
2506 25th Ave N #2, Texas City, TX 77590
4092294096
A mortgage refinance company in Texas City Texas helps homeowners replace their existing home loan with a new one. Texas law limits cash-out refinances to 80 percent of the home value under Section 50(a)(6) of the Texas Constitution. Local lenders in Texas City understand the Galveston County housing market and can guide you through the required waiting periods and documentation.
What Does a Mortgage Refinance Company in Texas City Cost?
Typical costs for a mortgage refinance in Texas range from 2 to 5 percent of the loan amount. Common fees include an origination fee of 0.5 to 1 percent, an appraisal fee of 400 to 600 dollars, and title insurance of 500 to 1,500 dollars. Texas also charges a state mortgage tax of 0.25 percent on the loan amount. These costs vary by lender, loan type, and property value. 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 rule?
Texas law under Section 50(a)(6) of the state constitution limits cash-out refinances to 80 percent of the home value. You must also wait 12 months after your last cash-out refinance before applying for a new one. This rule does not apply to rate-and-term refinances.
How long does a mortgage refinance take in Texas City?
A typical refinance in Texas City takes 30 to 45 days from application to closing. Texas requires a three-day right of rescission after signing for most refinances. Delays can occur if the property appraisal or title work takes longer.
What documents do I need for a refinance in Texas?
You will need recent pay stubs, tax returns, bank statements, and a valid photo ID. Texas also requires a homestead affidavit for owner-occupied properties. The lender will request a copy of your current mortgage statement and proof of homeowners insurance.
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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.