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Refinance Smarter—Lower Payments or Access Cash

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.

What Is a Refinance Loan?

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.

How It Works

📉 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

Who Qualifies?

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.

Why Buyers & Sellers Like Buydowns:

💰 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

Refinance Loan FAQs

Yes. A rate-and-term refinance just replaces your loan—no cash involved.
Most lenders require 20% for cash-out, but some allow less.
Yes—especially when switching from FHA to a conventional loan.

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Disclosures and License Information

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.