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Refinance Your Houston Mortgage

Competitive Rates, Fast Closings, White-Glove Service

Flagstone Mortgage Specializes in Finding the Best Solution for You.

Texas Mortgage Refinancing

Our Experience, Speed and Ability to Execute Sets Us Apart

Refinancing your Texas mortgage can be a smart financial decision, and at Flagstone Mortgage, we're here to help you make the most of it. With our expertise in the industry, we can explore the best options available to you and guide you through the process of lowering your monthly payment, shortening your loan term, switching to a fixed-rate mortgage, or getting cash out of your home.

Whether you're looking to plan a dream vacation, upgrade your home, or just keep a cash reserve on hand as a financial buffer against emergencies, refinancing can provide you with the funds you need. Our mortgage specialists will work with you to understand your unique financial situation and help you make the right decision for your needs.

We can also help you remove PMI, which can help lower your monthly payment and save you a significant amount of money over the life of your loan. So if you're considering refinancing your Texas mortgage, contact us today to learn more about your options and get started on the path to financial freedom.

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Refinancing Options

Conventional Refinance

A conventional refinance is a loan option that allows homeowners with a conventional loan to refinance their mortgage. This type of refinance can help lower monthly payments or reduce the interest rate, depending on the borrower's needs. Homeowners with a good credit score and equity in their home may qualify for a conventional refinance.

VA IRRL

The VA Interest Rate Reduction Refinance Loan (IRRL) is a popular refinance option for veterans and active-duty service members. It allows borrowers with an existing VA loan to refinance to a lower interest rate, often with little or no out-of-pocket expenses. The VA IRRL does not require a new appraisal or credit check, making it a quick and easy refinance option.

FHA Streamline

The FHA Streamline refinance is a loan option for homeowners with an existing FHA loan. It is designed to lower monthly payments or reduce the interest rate, without the need for a new appraisal or credit check. The FHA Streamline is a popular option for homeowners with limited equity in their home.

Cash Out Refinance

A cash-out refinance allows homeowners to refinance their mortgage and borrow additional cash against their home equity. This type of refinance can be used to pay off high-interest debt, finance home improvements, or make other investments. Homeowners with a good credit score and equity in their home may qualify for a cash-out refinance. However, it's important to remember that this type of refinance may result in a higher monthly mortgage payment or a longer loan term.

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Should I Refinance My Texas Home Mortgage?

Refinancing your mortgage in Texas can be a smart financial move that helps you pay off your home quicker. By refinancing, you have the opportunity to secure a lower interest rate, which can save you thousands of dollars over the life of your loan.

However, it's crucial to approach the refinancing process with caution. At Flagstone Mortgage, we understand the importance of carefully shopping for your refinanced mortgage.

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Hear From Our Customers

Flagstone is fantastic. Darren and Jacqui are prompt, professional, and responsive. Darren has handled two houses for our family and both experiences have been great. Darren saved us money, made the process easy, answered all our questions, and really got the job done. I would recommend... Flagstone is fantastic. Darren and Jacqui are prompt, professional, and responsive. Darren has handled two houses for our family and both experiences have been great. Darren saved us money, made the process easy, answered all our questions, and really got the job done. I would recommend Flagstone without hesitation, and I have.

Andreas Jones

My wife and I used Flagstone as our brokerage firm for our first home purchase. Darren was extremely personable, professional, knowledgeable, and made the process seamless end-to-end (not to mention everything working out for us better than expected on the lending side). I have recommended them... My wife and I used Flagstone as our brokerage firm for our first home purchase. Darren was extremely personable, professional, knowledgeable, and made the process seamless end-to-end (not to mention everything working out for us better than expected on the lending side). I have recommended them to friends and they have had the same fantastic experience. Highly recommend

Christian M

Darren Smith was AWESOME!!! Initially I shopped around for lenders, calling at least 5 different companies and he is the only person who seemed to really be interested in my business. And it stayed that way throughout the entire experience. Top priority and speedy communications and... Darren Smith was AWESOME!!! Initially I shopped around for lenders, calling at least 5 different companies and he is the only person who seemed to really be interested in my business. And it stayed that way throughout the entire experience. Top priority and speedy communications and processes. I would happily use Flagstone again and highly recommend them to others!

Morgan Pagel

Darren Smith and the Flagstone Financial team made my recent home purchase a breeze. I felt like I was their priority during the whole process which I can not say about other lenders I've worked with previously. I recommend the Flagstone team for anyone that wants to work with mortgage bankers... Darren Smith and the Flagstone Financial team made my recent home purchase a breeze. I felt like I was their priority during the whole process which I can not say about other lenders I've worked with previously. I recommend the Flagstone team for anyone that wants to work with mortgage bankers that are highly experienced, responsive, and most importantly care about their clients.

Jordan Strauss

Darren is always a pleasure to work with. I have had 3 loans from Flagstone in the past 10 years and I don't bother to shop around as I feel confident that I get the best rate and great service. My realtor said that Flagstone was one of the best lenders he had worked with.

Arthur Picone

Darren was great! He was very knowledgeable, honest and really simplified the home financing process. He was able to get the mortgage pricing I needed in a very short period of time. Further, he stayed involved with the process through closing and even followed up a couple weeks later. I would... Darren was great! He was very knowledgeable, honest and really simplified the home financing process. He was able to get the mortgage pricing I needed in a very short period of time. Further, he stayed involved with the process through closing and even followed up a couple weeks later. I would recommend his services to anyone.

Claude Mabry

Darren, Jaqui and the team at Flagstone Mortgage are without a doubt the best in the business. They have done my original loan, the construction loan when we remodeled, and then they got me a lower and lower rate, refinancing several times over the years. Once again, just this week, we bought a... Darren, Jaqui and the team at Flagstone Mortgage are without a doubt the best in the business. They have done my original loan, the construction loan when we remodeled, and then they got me a lower and lower rate, refinancing several times over the years. Once again, just this week, we bought a new home and, as usual, Flagstone made my life so easy. If you're not using Flagstone for financing, you're making a big mistake. Thanks guys, you are awesome....

David Signet

Darren was very professional and helpful. He was there every step of the way to answer any questions we had during the course of getting our home financed. We had a wonderful experience with Flagstone and will use them again in the future.

Kaitlyn Confer

Adjustable Rate Mortgages vs. Fixed Rate Mortgages

When it comes to choosing a mortgage, homebuyers often find themselves torn between adjustable rate mortgages (ARMs) and fixed rate mortgages.

Adjustable Rate Mortgages

Interest rate fluctuates over time
Provide potential savings in the short term
Carry the risk of higher rates in the future

Fixed Rate Mortgages

Offers stability and predictability
Maintain a consistent interest rate throughout the loan term
Preferable for those planning to keep their home long-term

How much can I pull out to pay off debt?

The amount you can pull out to pay off debt will depend on various factors such as the equity you have in your property, your credit score, and the lender's policies. Generally, lenders allow borrowers to access up to 80% of their home's equity, but you may qualify for more or less depending on your situation.

Can I consolidate debt?

Yes, you can consolidate debt by combining multiple debts into a single loan with a lower interest rate. This can help simplify your finances and reduce the amount you pay in interest each month. Some common ways to consolidate debt include balance transfer credit cards, personal loans, and home equity loans.

Can I refinance to a lower rate?

Potentially, refinancing your loan to a lower interest rate can help you save money on interest payments over the life of the loan. However, whether you qualify for a lower rate will depend on various factors such as your credit score, income, and debt-to-income ratio. You should also consider the closing costs associated with refinancing before deciding if it's the right option for you.

How can I pay off high-interest credit cards and unsecured loans?

Refinancing your mortgage can offer several added benefits, including the opportunity to pay off high-interest debts such as credit cards and unsecured loans. By refinancing to a lower interest rate, you can potentially save money on your monthly mortgage payments, freeing up more funds to put towards your other debts. Additionally, consolidating your debts into your mortgage payment can simplify your finances by combining multiple payments into a single monthly payment.