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  Brazos Mortgage Refinance
Brazos Mortgage Refinance
in Mortgage Refinance from Brazos National Bank · NMLS ID #473879
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Brazos Mortgage Refinance

Unaffiliated
in Mortgage Refinance from Brazos National Bank · NMLS ID #473879
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Highlights
Loan Amount Up to $417,000
Loan Term (Years) 15 - 30 years

Brazos Mortgage Refinance Review

Brazos Mortgage Refinance is offered by Brazos National Bank (NMLS #473879), a bank founded in 1982 and based in Dallas, TX. Brazos Mortgage Refinance is available in 50 states (and Washington, DC).

Key Takeaways
  • 3 different mortgage programs offered. Brazos Mortgage Refinance refinances FHA, USDA, VA, conforming, and conventional mortgages.
  • Specializes in multi-family properties. Only offers mortgages for multi-family properties, but not for single-family homes or manufactured homes.
  • Standard interest rates types. Brazos Mortgage Refinance only offers
  • Primary and secondary homes considered. Investment homes, such as rental properties, do not qualify for refinancing. However, Brazos Mortgage Refinance does offer refinancing for primary and secondary homes (e.g. vacation properties).
  • Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
Brazos Mortgage Refinance Pros & Cons
Pros Cons
  • Available in all 50 states.
  • Charges an origination fee.
  • Charges prepayment fees.
Brazos Mortgage Refinance FAQ

What is the maximum loan term for a mortgage refinance via Brazos Mortgage Refinance?

The term of a mortgage refinance will impact the cost of your monthly payments. Longer terms will typically reduce your monthly payments but it will also increase the interest you pay. Brazos Mortgage Refinance offers mortgage refinancing with terms ranging from 15 to 30 years.

How long does Brazos Mortgage Refinance take to refinance?

Brazos Mortgage Refinance does not provide details on the average time to close a refinance. However, it typically takes 30 to 45 days to complete a refinance. Of course, a lot depends on the market, the lender, and how long appraisals and inspections take.

Does Brazos Mortgage Refinance charge a mortgage origination fee?

Yes, Brazos Mortgage Refinance will charge a loan origination fee.

What mortgage programs does Brazos Mortgage Refinance offer?

Brazos Mortgage Refinance offers the following mortgage types:

  • Conventional mortgages: This includes any mortgage that is not insured or guaranteed by the federal government.
  • FHA: Mortgages insured by the FHA, which usually have less stringent eligibility requirements, but borrowers must pay a mortgage insurance premium. Co-applicants are allowed and you can qualify for a down payment as low as 3%.
  • USDA: A zero down payment mortgage loan with low rates for suburban and rural homebuyers.
  • VA: A zero down payment mortgage or a refinance of up to 120% of the home's value for American military members, veterans, and their spouses.

What property usage types does Brazos Mortgage Refinance allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. Brazos Mortgage Refinance allows the following property usage types: 

  • Primary home
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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Intended Use
  • Investment
  • Primary Home
Loan Term 15 - 30 years
Loan Amount Up to $417,000
Interest Rate Types Offered N/A
Mortgage Programs
  • FHA
  • USDA
  • VA
Terms 15, 30 years

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