Refinance when it helps you, not when it helps us.
We offer a free, no-pressure refinance analysis. We let the numbers and the data do the talking, not a sales pitch. If waiting is the better move, we'll tell you that too.
Common reasons to refinance
- Lower the rate or payment when rates drop or your credit has improved.
- Remove mortgage insurance by moving from FHA to conventional once you have enough equity.
- Take cash out for renovations, debt consolidation or a down payment on the next property.
- Change the term to pay the home off sooner, or stretch it to free up monthly cash.
- VA streamline for eligible veterans who already have a VA loan.
Free, no-pressure refinance analysis
All we need is your estimated credit score and your most recent mortgage statement. We'll come back with a side-by-side look at your options, including staying put. Request your free analysis →
- Your payment today vs. after a refinance
- Your break-even point: how many months until the savings cover the closing costs
- Total interest over the life of each option
- Straight talk. If the numbers don't work, we'll say so. No cost and no obligation.
Common questions
How do I know if refinancing is worth it?
Look at the break-even point: closing costs divided by your monthly savings. If you plan to stay past that point, it may make sense. We'll run it for you.
Can I take cash out of my home in Texas?
Yes, with Texas-specific rules. Texas home equity loans have their own limits and requirements, and we'll walk you through them.
Program availability, terms and eligibility depend on the lender, your credit, income, property and location. Not all borrowers will qualify.
Other ways we can help
Purchase
FHA, VA, USDA, conventional and jumbo, plus down payment assistance for first-time buyers.
Home purchase loans →Refinance
Free, no-pressure refinance analysis. We let the numbers do the talking, and we'll tell you if it doesn't pencil.
Refinance →Investment property
DSCR loans that qualify on the rent, house hacking a 2 to 4 unit, second homes and self-employed programs.
Investment property loans →Commercial
Business-purpose financing for commercial property, structured around the deal in front of you.
Commercial loans →