Mortgage refinancing is the process of replacing your existing home loan with a new one—ideally one with better terms. Homeowners refinance for many reasons, including:
Refinancing is one of the most powerful tools homeowners in Texas have to save money and improve their long-term financial health.
There are many reasons Texans consider refinancing, and every situation is unique. Here are the top benefits we help clients unlock:
Interest rates change over time. If you bought your home when rates were higher, refinancing today could save you thousands over the life of your loan. Use our free Texas refinance calculator to see your potential savings.
Refinancing to a lower rate or extending your loan term can result in a significantly lower monthly payment—giving you more breathing room in your budget.
Need cash for home renovations, college tuition, or debt consolidation? With a cash-out refinance in Texas, you can access the equity you’ve built in your home and put it to work.
If you have an FHA loan and now have enough equity, refinancing into a conventional loan could eliminate costly monthly mortgage insurance (PMI).
Maybe you started with an ARM (adjustable-rate mortgage) and want the stability of a fixed rate—or you’d like to go from FHA or VA to a conventional loan. We can guide you through the best options.
We offer a wide range of refinance options to suit all kinds of homeowners, whether you’re looking for a traditional rate-and-term refinance or something more specialized:
Ideal for homeowners with good credit and equity in their home. Great for reducing rates, dropping PMI, or adjusting loan terms.
Perfect for those with existing FHA loans or lower credit scores. Includes streamline refinance options with limited documentation.
For eligible veterans and active-duty military, the VA Interest Rate Reduction Refinance Loan (IRRRL) makes refinancing simple with minimal out-of-pocket costs.
Pull equity out of your home and convert it to usable cash. Use it for remodeling, investing, or paying off high-interest debt.
Wondering if you qualify to refinance your mortgage in Texas? Here are some general criteria lenders will look for:
We’re not just another mortgage company. We’re Texans helping Texans, and we understand the local market better than anyone. Here’s what sets us apart:
Our team knows Texas mortgage laws and programs inside and out.
We shop dozens of lenders to get you the best possible rate.
Every homeowner has different goals—we’ll tailor a solution that fits yours.
No hidden fees, no fine print—just friendly, transparent guidance.
From application to closing, we make refinancing smooth and stress-free.
“Everything was well explained that made our decision to go with Mortgage Pros a breeze. The process was definitely scary at the beginning, changing a lender company just few weeks from closing our house, but Jason helped us lower our closing cost and was able to broker a lender with lower interest rates which every home owner needs. Jason and his team really did a great job! They deserve 10 gold stars!!!” – Alcalde Family
“Jason was very easy to work with. He’s very detail oriented, extremely fast to respond to all of my phone calls and messages and quick to give rates. He was a pleasure to work with.He gave options with different scenarios. His numbers were very accurate. I would recommend him to all of my family members, friends and coworkers wanting to buy a house.” – Matt Simon
Refinancing your Texas mortgage is easier than you think. Follow our simple steps to lower your payments and achieve your homeownership goals.
Before you begin the refinance mortgage Texas process, take a close look at your financial situation, including your credit score, debt-to-income ratio, and home equity.
Be prepared to provide documentation such as income verification, bank statements, and your current mortgage and HOA statement.
Your application will undergo an underwriting process where the lender verifies your financial information and assesses your risk.
The final step is the closing, where you'll sign the loan documents and finalize the refinance transaction.
The sooner you refinance, the sooner you start saving. Don’t leave money on the table—let us help you take control of your mortgage today.
Whether you’re aiming to lower your rate, shorten your loan term, or access your home equity, our Texas refinance team is here to guide you every step of the way.
👉 Call us now or request your rate quote online in just minutes.
We proudly serve homeowners across Houston, Dallas, Austin, San Antonio, Fort Worth, El Paso, Corpus Christi, and throughout Texas.
The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply.
