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Lower your rate, shorten your term, or access your home equity. Multiple refinance options for Texas and Arkansas homeowners — including Texas-compliant cash-out refinancing.
Refinancing replaces your current mortgage with a new loan — ideally with better terms. Whether you want a lower interest rate, a shorter payoff timeline, or access to your home equity, a refinance can help you save money and achieve your financial goals. Texas homeowners should be aware of specific cash-out refinance rules under Section 50(a)(6) of the Texas Constitution, which Rosalyn navigates daily.
Replace your current mortgage with a new one at a lower interest rate, shorter term, or both. No cash out — just better terms and lower monthly payments.
Tap into your home equity by refinancing for more than you owe and receiving the difference in cash. Use it for home improvements, debt consolidation, or other major expenses. Texas has specific rules under Section 50(a)(6).
If you already have an FHA loan, you may qualify for a streamline refinance with reduced documentation, no appraisal, and lower fees.
Veterans with an existing VA loan can use the Interest Rate Reduction Refinance Loan to lower their rate with minimal paperwork and no appraisal.
A lower interest rate or longer term can significantly reduce what you pay each month, freeing up cash for other priorities.
Refinance from a 30-year to a 15-year term to build equity faster and save tens of thousands in interest over the life of the loan.
A cash-out refinance lets you convert your equity into cash for renovations, education, debt payoff, or investments.
If your home has appreciated and you now have 20%+ equity, refinancing to a conventional loan can eliminate PMI or MIP.
Tell Rosalyn what you want to achieve — lower payment, shorter term, or cash out. She will recommend the best refinance strategy.
Once you decide on a program, we lock in your rate and begin the application process.
Your home is appraised (if required) and your application goes through underwriting. Streamline options may skip the appraisal.
Sign your new loan documents and start benefiting from your improved terms immediately.
Fill out the form and Rosalyn will run a free analysis to show you exactly how much you could save by refinancing. Available in English and Spanish.