Refinance
Refinance options for homeowners in Texas and Colorado, with a free mortgage review to see where you stand.
The benefits of refinancing with a local team
A well-timed refinance can change your monthly plan and your long-term goals. We help you see if it makes sense.
Free Mortgage Review
We start with a free review of your current loan and goals, so you know your options before you commit to anything.
Self-Employed Friendly
We work with every income type, including self-employed borrowers whose income does not fit a standard W-2 file.
Clear Next Steps
A home loan expert walks you through the numbers and the paperwork, so you always know what happens next.
We Service Almost All Our Loans
We are here for you now and in the future, not just at the closing table.
Quick Answer
Refinancing replaces your current mortgage with a new one, often to lower your rate, shorten your term, or access home equity. We start with a free review of your loan to see whether it makes sense for your goals.
Refinancing your mortgage can lower your payment, shorten your term, or help you tap into your home's equity. Our team reviews your current loan and your goals, then lays out the refinance options available to you in Texas and Colorado.
By refinancing your existing loan, your total finance charges may be higher over the life of the loan, so we walk through the tradeoffs with you before you decide. Start with a free review and get a clear answer on whether refinancing is the right move.
Pro Tip
Compare the new loan's total cost, not just the lower payment. Closing costs and a longer term can sometimes outweigh the monthly savings, so ask for the full breakdown before you decide.
Typical Guidelines
Your scenario may differ — these are common ranges, not guarantees.
| Category | Typical Guideline |
|---|---|
| Loan-to-Value (Rate & Term) | Commonly up to 95–97% |
| Loan-to-Value (Cash-Out) | Commonly up to 80% |
| Credit Score | Commonly 620+ for conventional refinance |
| Debt-to-Income | Typically up to 45% |
| Seasoning | Many programs require 6+ months since your last closing |
Run Your Numbers.
Get an estimate of what this loan could look like for you.
Ready to Move Forward With Refinance?
Apply online in minutes and let our team take it from there.
Apply Now