Mortgage Refinance
Lower your interest rate, reduce your monthly payment, shorten your loan term, or tap into your home equity. Joshua Payne provides expert refinance guidance for VA, FHA, and conventional loans in Texas.
Start Your Refinance →Refinance Options
VA IRRRL (Streamline Refinance)
Interest Rate Reduction Refinance Loan — the simplest way for veterans to lower their VA loan rate with minimal documentation and no appraisal in most cases.
VA Cash-Out Refinance
Access your home equity as cash for home improvements, debt consolidation, or other needs. Available up to 100% of your home's value for eligible veterans.
FHA Streamline Refinance
Lower your FHA loan rate with reduced paperwork. No appraisal required in most cases, and no income verification for many borrowers.
Conventional Refinance
Refinance out of FHA into a conventional loan to eliminate mortgage insurance, or lower your rate and terms on an existing conventional mortgage.
When Does Refinancing Make Sense?
- Current rates are significantly lower than your existing mortgage rate
- You want to shorten your loan term and build equity faster
- You need to access home equity for major expenses
- You want to eliminate FHA mortgage insurance by switching to conventional
- You have an adjustable-rate mortgage and want to lock in a fixed rate