Refinance
Refinance your Texas mortgage
A refinance replaces your current loan with a new one. People refinance to lower the payment, change the term or take cash out of their equity. A break-even check weighs what it costs against what it may save.
Rate-and-term refinance
Replace your current loan with a new one to seek a lower rate, a different term, or both. Whether it makes sense depends on costs, savings, and how long you plan to keep the loan.
Break-even calculator
Cash-out refinance
Replace your mortgage with a new, larger loan and receive the difference in cash. Texas has specific rules for cash-out refinances on homestead property.
Learn about cash-outA refinance has closing costs, like any loan. If what you would save doesn't cover them in the time you plan to keep the loan, Bert will tell you so. How a refinance break-even works
Texas considerations
Texas has specific homestead rules for home-equity loans and cash-out refinances. This is general information, not legal advice — flag for compliance review.