




Refinance your mortgage to reduce your rate, change your term, or tap into home equity.
Get more control over your finances—with flexible options built for homeowners.
A refinance loan replaces your current mortgage with a new one—often with better terms, lower rates, or cash out from your home’s equity. It’s a great way to save money, shorten your loan term, or fund major expenses.
📉 Lower your interest rate or monthly payment
🔁 Switch from adjustable to fixed-rate (or vice versa)
💵 Cash-out options available for home equity
📆 Reset or shorten your loan term
Homeowners with sufficient equity and a stable financial profile typically qualify. Most lenders look for on-time mortgage history, a credit score of 620 or higher, and adequate income to support the new loan.
💰 Lower your monthly payments
🔄 Change your loan structure
💵 Use cash-out to consolidate debt or renovate
📉 Drop your rate and interest over time
🏠 Build long-term financial flexibility
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Texas Mortgage Disclosure: Consumers wishing to file a complaint against a mortgage banker or licensed residential mortgage loan originator should contact the Texas Department of Savings and Mortgage Lending (SML). Visit [www.sml.texas.gov](https://www.sml.texas.gov) for instructions and to obtain a complaint form. Mailing Address: 2601 North Lamar, Suite 201, Austin, TX 78705 • Toll-Free: 1-877-276-5550 (Required per 7 TAC §80.200(b))
Licensed in Colorado. Regulated by the Colorado Division of Real Estate.
NMLS ID: XXXXXX • Visit https://dre.colorado.gov or call (303) 894-2166 to verify the license status or file a complaint.