Refinance to Save More
Lower your rate, reduce payments, or tap your equity. Get rate-drop alerts and transparent break-even analysis.
Smart Refinancing Solutions
Whether you want to lower your monthly payment, reduce your interest rate, or access your home's equity for improvements or debt consolidation, our refinance solutions are designed to maximize your savings and financial flexibility.
Reduce Rate or Payment
Lower your interest rate or monthly payment to free up cash for other financial goals.
Tap Your Equity
Access your home's equity for renovations, debt consolidation, or other major expenses.
Rate-Drop Alerts
Get notified when rates drop 0.5% or more so you never miss a savings opportunity.
Types of Refinance Loans We Offer
Rate & Term Refinance
Lower your interest rate or change your loan term to reduce monthly payments or pay off your home faster.
- Lower interest rate
- Reduce monthly payment
- Shorten loan term (30yr → 15yr)
- Switch from ARM to fixed rate
- Remove PMI at 20% equity
Best for:
Homeowners with improved credit or when rates have dropped
Cash-Out Refinance
Replace your current mortgage with a larger loan and receive the difference in cash for home improvements, debt consolidation, or other needs.
- Access up to 80% of home equity
- Lower rate than personal loans/credit cards
- Tax-deductible interest (consult tax advisor)
- Consolidate high-interest debt
Best for:
Home improvements, debt consolidation, major expenses
FHA Streamline Refinance
For current FHA borrowers, this simplified process requires no appraisal and minimal documentation to lower your rate.
- No home appraisal required
- Minimal documentation
- Must lower payment or rate
- Fast closing (15-20 days)
Best for:
Current FHA loan holders wanting to reduce payments
Is Now the Right Time to Refinance?
Consider refinancing when:
Interest rates have dropped 0.5% or more below your current rate
Your credit score has improved significantly since your original loan
You want to eliminate PMI after reaching 20% equity
You need to consolidate high-interest debt
You want to switch from an ARM to a fixed-rate loan
Home values have increased and you want to access equity
Our rate-drop alert service notifies you automatically when rates drop enough to make refinancing worthwhile.
Sign Up for Rate-Drop AlertsCalculate Your Break-Even Point
Understanding when your refinance pays for itself helps you make the best financial decision.
Calculate Monthly Savings
Determine how much you'll save each month with your new rate and payment compared to your current mortgage.
Review Closing Costs
Get a transparent breakdown of all closing costs including appraisal, title, and lender fees upfront.
Determine Break-Even
Divide closing costs by monthly savings to see exactly when your refinance pays for itself.
See How Much You Could Save
Want to know your exact savings? Use our refinance calculator to see your monthly payment reduction, total interest savings, and break-even timeline.
Calculate My SavingsWhy Homeowners Trust Us for Refinancing
20+ Years Experience
We've helped hundreds of Florida & Texas families save thousands through strategic refinancing.
Transparent Process
Complete break-even analysis upfront so you know exactly when your refinance pays off.
Multiple Lender Access
We shop your loan across multiple lenders to find the absolute best rate and terms.
Rated 5.0 on Google
"Roberto helped us find the best product and rates to fit our refinance needs. He helped us save tremendously on closing costs!"
— Audrey Garcia
Reverse Mortgage (HECM)
For homeowners 62 and older, a Home Equity Conversion Mortgage (HECM) allows you to convert your home's equity into cash without monthly mortgage payments. Keep living in your home while accessing the wealth you've built.
Age 62+ Eligible
Must be 62 or older and live in the home as your primary residence.
No Monthly Payments
Receive cash from your equity without making monthly mortgage payments.
Stay in Your Home
Continue living in your home while accessing your equity for retirement needs.
Refinance FAQs
Get answers to common questions about refinancing your mortgage.
Ready to Lower Your Rate and Save Money?
Choose the option that works best for you
Get Your Free Refinance Analysis
We'll analyze your current loan, show you potential savings, and calculate your break-even point—no obligation.
Get Free AnalysisTalk to a Refinance Expert
Schedule a 15-minute call to discuss your goals and see if refinancing makes sense for your situation.
Schedule Free ConsultationQuestions? Call or text:
(214) 833-2350