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Houston Home Mortgage Refinancing

At Flagstone Mortgage, we focus on finding the best mortgage refinancing option for you in Houston.

Houston Mortgage Refinancing

Our Expertise, Speed, and Service Make Us Your Best Choice

Refinancing your Houston mortgage can be a smart financial move. At Flagstone Mortgage, we help you find the best option to lower your monthly payments, shorten your loan term, switch to a fixed rate, or access cash from your home equity.

Whether you're planning a vacation, home upgrades, or want a cash cushion for emergencies, refinancing can give you the funds you need. Our experts review your financial situation and guide you to the right choice.

We also assist in removing PMI, lowering your monthly costs and saving you money long term. Ready to refinance your Houston mortgage? Contact us today to explore your options and start your path to financial freedom.

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Your Refinance Options

Conventional Refinance

Conventional refinance allows homeowners with a conventional loan to refinance their mortgage. It helps reduce monthly payments or lower your interest rate, depending on your needs. If you have good credit and home equity, you could qualify for this option.

VA IRRL

The VA Interest Rate Reduction Refinance Loan (IRRL) is a great option for veterans and active-duty members. It lets you refinance your existing VA loan to get a lower interest rate, often with little to no cost. This loan doesn't require a new appraisal or credit check, making it fast and simple.

FHA Streamline

The FHA Streamline refinance helps homeowners with an FHA loan lower their monthly payments or interest rates without needing a new appraisal or credit check. It's ideal for those with limited equity in their home.

Cash Out Refinance

With a cash-out refinance, you can borrow extra money against your home's equity while refinancing your mortgage. Use it to pay off high-interest debt, fund home improvements, or other investments. Qualifying depends on credit and equity, but remember this may increase your monthly payment or lengthen your loan term.

Speak With Us Today

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Is Refinancing Your Houston Home Right For You?

Refinancing your mortgage in Houston can be a smart way to pay off your home faster and save money. By securing a lower interest rate, you could save thousands over your loan's life.

At Flagstone Mortgage, we know it's important to carefully compare refinancing options to get the best deal.

Hear From Our Customers

Adjustable Rate vs. Fixed Rate Mortgages

Choosing between adjustable rate mortgages (ARMs) and fixed rate mortgages is a common decision for homebuyers.

Adjustable Rate Mortgages

Interest rate changes over time
Can save money short-term
Risk of higher rates later

Fixed Rate Mortgages

Stable, predictable payments
Same interest rate throughout loan
Best for long-term homeowners

How much can I withdraw to pay off debt?

The amount you can borrow depends on your home equity, credit score, and lender rules. Usually, you may access up to 80% of your home's equity, but this varies with your situation.

Can I consolidate my debt?

Yes! Refinancing can let you combine multiple debts into one loan with a lower rate, making it easier to manage and reducing your interest costs. Common methods include balance transfer cards, personal loans, and home equity loans.

Can I refinance to a lower interest rate?

Refinancing to a lower interest rate can save you money over your loan's life. Your eligibility depends on your credit, income, and debt-to-income ratio. Be sure to consider closing costs when deciding if refinancing is right for you.

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

Refinancing your mortgage can help you manage high-interest debts, including credit cards and unsecured loans. By lowering your mortgage interest rate, you may reduce your monthly payments and free up money to pay those debts. This also simplifies your finances by combining payments into one monthly bill.