Refinance Hub

Refinance Your Mortgage.
Save Every Month.

Lower your rate, reduce payments, consolidate debt, or access your home's equity — we'll find the right program for your situation.

🔒 Soft Credit Check — Won't Impact Your Score
🏦 FDIC Insured
⭐ 5.0 Google Rating
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Which Refinance Fits You?

Tell us what you're trying to accomplish — we'll point you to the right program.

"I want to lower my monthly payment"

You're paying more than you need to at your current rate.

→ Best fit: Rate & Term Refinance or VA IRRRL / FHA Streamline

"I want to pay off my mortgage faster"

You want to build equity and save on interest over the life of the loan.

→ Best fit: Shorter Term Refinance (15 or 20 year)

"I want to access cash from my home"

You need funds for renovations, investments, or large expenses.

→ Best fit: Cash-Out Refinance (VA · FHA · self-employed) or HELOC

"I want to consolidate high-interest debt"

You're juggling credit cards, auto loans, or personal loans with high rates.

→ Best fit: Cash-Out Refinance with debt consolidation — read the VA or FHA guide first

"I have a VA loan and want a lower rate"

You're a veteran or active-duty with an existing VA mortgage.

→ Best fit: VA IRRRL — minimal paperwork, no appraisal

"I have an FHA loan and want to refinance"

You have an existing FHA mortgage and want to lower your rate.

→ Best fit: FHA Streamline — less paperwork, flexible credit

Put Your Home Equity to Work

A cash-out refinance lets you access the equity you've built — here's how homeowners are using it.

🏠

Home Improvements

Renovate your kitchen, add a bathroom, or make upgrades that increase your home's value.

💳

Debt Consolidation

Pay off high-interest credit cards or loans with a single, lower-rate mortgage payment.

🎓

Major Expenses

Cover college tuition, medical bills, or other large expenses without high-interest borrowing.

📈

Investment Opportunities

Fund a rental property, start a business, or grow your portfolio using your home's equity.

Cash-out is reviewed by program: VA cash-out · FHA cash-out requirements · Bank statement cash-out for self-employed borrowers · HELOC · Second mortgage.
Estimated equity, the approved loan and cash at closing are three different numbers; ask for a written comparison that shows all three.

Streamline Your VA or FHA Loan

Already have a government-backed loan? Streamline programs let you refinance with less paperwork, no appraisal, and lower costs.

🎖️ VA IRRRL

Interest Rate Reduction Refinance Loan

Exclusive to veterans and active-duty service members

Lower your rate with minimal documentation. No appraisal, no income verification, and no out-of-pocket costs in most cases.

  • No appraisal required
  • No income verification
  • Can roll closing costs into loan
  • Must have existing VA loan
  • Often close in as little as 21 days
Check VA IRRRL Eligibility →

Need cash out, or refinancing a non-VA loan? VA cash-out is a different review →

🏛️ FHA Streamline

Refinance with Less Paperwork

For existing FHA loan holders

Refinance your existing FHA loan with reduced paperwork and flexible credit requirements. Lower your rate or switch from adjustable to fixed.

  • Limited documentation
  • No appraisal in most cases
  • Flexible credit requirements
  • Must have existing FHA loan
  • Net tangible benefit required
Check FHA Eligibility →

Need cash from an FHA refinance? Cash-out vs. streamline →

Consolidate Debt with Your Home Equity

Replace high-interest credit cards and loans with a single, lower-rate mortgage payment — and potentially save hundreds each month.

💳

Credit Cards

Pay off high-interest credit card balances and stop paying 20%+ APR.

🚗

Personal & Auto Loans

Consolidate personal and auto loans into your mortgage at a fraction of the interest rate.

🏥

Medical & Other Debt

Roll medical bills, student loans, or other debt into one manageable payment.

Calculate Your True Monthly Savings

Pick your refinance type, enter your current mortgage, add any debts you'd consolidate — see your real budget impact.

VA IRRRL — Streamline refinance for existing VA loans. Minimal docs, no appraisal.

Current Mortgage

New Loan Details

VA IRRRL Refinance
New Estimated Payment
$1,753 /mo
Current Mortgage$2,076/mo
New Mortgage$1,753/mo
Mortgage Savings$323/mo
Total Monthly Savings
$323/mo
$3,876 per year
Apply Now → Schedule a Call — (888) 272-8264
🔒 Soft Credit Check — Won't Impact Your Score

Estimates based on inputs provided. Actual rates and payments depend on credit, property, and program eligibility. Not a commitment to lend. NMLS #407536.

Common Refinance Questions

Get answers to the most common questions about refinancing your mortgage.

No. Texana Bank Mortgage uses a soft credit inquiry for pre-qualification, which has no effect on your credit score. You can explore your loan options and check your rate without any impact to your credit.
Yes, you may still qualify for refinancing with less-than-perfect credit. We have options with flexible credit requirements, including FHA Streamline and VA IRRRL programs. We work with borrowers across the credit spectrum — contact us to discuss your options.
A streamline refinance is a simplified refinancing option for borrowers with existing government-backed loans (FHA or VA). It requires less paperwork, often no appraisal, and is designed to lower your rate quickly and easily.
Yes. If you have an existing VA loan you may qualify for a VA IRRRL, which requires minimal documentation and often no appraisal. You can also refinance into a new VA loan to cash out up to 100% of your home's value.
Yes. If you have an existing FHA loan, you may qualify for an FHA Streamline Refinance, which requires minimal documentation and often no appraisal. You can also refinance into a new FHA loan or a conventional loan.
Most refinances close in 30 days. Streamline refinances (FHA or VA) can close even faster since they require less documentation. We'll keep you updated throughout the process.
A rate-and-term refinance changes your interest rate, loan term, or both without taking cash out. A cash-out refinance lets you borrow more than you owe and receive the difference in cash to use for any purpose — home improvements, debt consolidation, investments, or other expenses.
Consider refinancing when interest rates drop at least 0.5–1% below your current rate, when you want to switch from an adjustable to a fixed rate, when you need to access home equity, or when you want to remove PMI. Use our calculator above to see if the numbers make sense for your situation.
Refinancing to a shorter term (like 15 years) typically means higher monthly payments but significantly less interest paid over the life of the loan. It's a good option if you can afford the higher payment and want to build equity faster. Use our calculator to compare 15-year vs. 30-year scenarios.

What Our Clients Say

Real reviews from real borrowers, pulled directly from Google.

5.0★★★★★
110 Google reviewsRead all on Google →
Gary McDay

I had an excellent experience working with my texana bank mortgage from start to finish. They were extremely professional, knowledgeable, responsive, and made the entire mortgage process feel much easier than I expected. They took the time to explain everything clearly, answered all of my questions, and kept me informed throughout the entire process. I always felt like I had someone in my corner who genuinely cared about helping me reach my goals. If you’re looking for a mortgage broker who is trustworthy, dependable, and willing to go the extra mile for their clients, I highly recommend them. I truly appreciate all of their hard work and would definitely work with them again!

Kent Sisco

Adam McCormick is fantastic! Easy to work with and keep me informed every step of the way! Looking forward to working with him again in the future

Andrea Ferrell

Adam was phenomenal from start to finish! He was friendly and professional. He assisted me every step of the way, walking me through the process with ease. He was always there for whatever questions I had. He was very, very patient and always reached out to me in a timely manner if I contacted him and he was unavailable at the time. Moreover, he made me feel as if he cared for more than just my loan, but me as a person!!! Texana is blessed to have him as an associate!! Andrea

Clay Ragsdale

Where to really start. Adam walked me through everything and put me at ease. I have had some bad experiences with other companies so I was digging and looking for any red flag. There was none with him and his direct talk is what did it for me. Someone that is real and just says what it is. No false hope or misdirection at anytime. I would recommend him to anyone and definitely Someone looking for honesty and caring. The communication is top notch and a true professional. Respectfully, Clay

Belvia Lynn

My overall experience while working with Adam McCormick was excellent. He was very pleasant and professional.

Joseph Hardman

Adam McCormick is an absolute professional in every sense of the word. I will NEVER use any other loan officer for my financials other than Adam as long as he is in the business. His work as my loan officer was exceptional. Throughout the process, he always responded to an e-mail, responded to a text, called right back if not answering immediately. He always made you feel as though you were his only client. There was never the impression he had more important things to do other than speak with you. He worked with us through a death in the family, personal issues, and numerous other challenges. It's possible other loan officers would have given up on us during this process, but Adam stuck with us through it all. His work ethic is amazing. He is an expert in his craft. I could not possibly give a higher recommendation, he has redefined what right looks like in this business.

Marsha Kessler-Bradshaw

I was about to go with another company for this refinance no cash out until I received a call from this Adam McCormick. He was so knowledgeable and made me feel very comfortable with this process. Adam is knowledgeable ,courteous, understanding and has a real passion and patience for people. 👍We are at the closing. Thank you Adam McCormick!!

Peter Jenkins

My situation had its difficulties. Justin was confident and persistent through the process and we the got the result

Dale Samuel

Mark has been very professional and has been very respectful to my wife and myself. Mark has shown that genuine human qualities and really worked with us and for us. This actually been a pleasure to get to know Mark.

James Fields

Outstanding Service and support from a truly Customer Oriented Agent! My pleasure to have worked with Mr. MCcormick.! Would follow him to next source if necessary. He is concerned in an outstanding balanced way. My pleasure to?know and do Business with him and The Bank! JFields

Rose Stone-Stewart

Texana Bank was there for us throughout the entire process. Their personableness, as well, their professionalism. As a financial institution it was nice to know that while obtaining a loan, we had a safe place to relay. They are absolutely “by the book” and at the same time makes the process easier to participate. The hospitality and genuine concern as clients was overwhelming of which we will always consider Texana Bank first, before mostly any other financial institution.

Mitchell Morris

Greg was awesome and the process was simple. I have nothing but the highest praise for the process and for Greg himself. Thank you.

Ronald Bylsma

Best refi experience of our lives, Andre was very knowledgeable and always kept us calm when things got stressful. Would recommend Mr. Andre Floyd to anyone looking for a great lending officer!

Dejan Jajcevic

I’ve worked with mini bankers before and I used to do them over a decade ago myself and my experience that I had with Chad was nothing short of phenomenal. He is a wonderful Banker does a very diligent job and did not miss any moments of reassuring me where my loan was and closing I couldn’t say enough good things about him and I hope if I ever need to go through this stressful process again he is still in business to take care of me

James Reaves

Adam is awesome super friendly easy to work with always aware of what’s going on and keeps you informed which is great.

Lesli Hopkins

Lynette is absolutely awesome to work with! She takes the time to make you comfortable with the process and answers any questions completely and accurately

Bobby Strickland

Andre Floyd was ABSOLUTELY AMAZING. I just love working with him.

Abraham Sanchez

Working with Greg Darlin has been an awesome experience. An honest and sincere individual. He is to the point and very very knowledgeable. I appreciate the fact that he didn’t try to give me the run around and through the entire process I learned a few things. Thank you.

Ready to Lower Your Payment?

Talk to a refinance expert or get started online — your choice.

Or call us directly: (888) 272-8264