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Refinance Your Mortgage Loan In Texas With No Lender Fees
Refinance today and lower your rate! Cut your monthly payment by hundreds, with no lender fees and fast closings, available nationwide, including Austin, Houston, San Antonio, and Dallas.
Available Refinance Loan Options
Homeowners refinance for many reasons, so we offer programs designed to fit a range of financial needs. Each option is built to help you reduce your rate, change your loan structure, or get equity without stress.
FHA Refinance
Lower credit flexibility and potential rate reduction for homeowners looking to improve affordability.
VA IRRRLs
For eligible veterans looking for fast approvals, minimal paperwork, and the potential for lower monthly payments.
Conventional Rate & Term Refinance
Reduce your payment or shorten your loan term with competitive conventional refinance mortgage rates.
Cash-Out Refinance
Turn your home equity into cash for improvements, debt payoff, or new investments, with no lender fees from us.
Jumbo Refinance
Designed for high-value properties requiring specialized loan amounts and competitive jumbo terms.
Non-QM & Specialty Programs
Options built for non-traditional borrowers, including DSCR loans, bank-statement financing, and crypto-backed refinance solutions.
What is a Refinance Mortgage Loan?
A refinance mortgage loan replaces your current mortgage with a new loan that benefits the homeowner either by accessing better refinance mortgage rates, adjusting the mortgage payments, or allowing them to access equity. It is not a second mortgage, just an updated loan with new terms that save you money or free cash.
Get Real-Time Updates on Refinance Mortgage Rates
Mortgage rates can change frequently, and timing your refinance can lead to significant savings. Stay informed with LendFriend Rate Alerts, get real-time updates on rate drops, and take advantage of savings opportunities when they arise.-1.png?width=200&height=200&name=Homebuyer%20Tools%20Header%20(4)-1.png "Homebuyer Tools Header (4)-1")
Requirements to Refinance Your Mortgage Loan
Qualifying is simple for most. You need decent credit (usually 620+), steady income, and some home equity. For streamlines like FHA or VA, skip appraisals and detailed checks. Provide basic docs like pay stubs and tax returns for full refinances. We check eligibility for free, even with past issues; approvals happen often.
When and Why to Refinance Your Mortgage
Refinancing your mortgage can save you money when rates drop or your goals change. Lower your monthly payment, lock in a predictable rate, or access funds for major expenses, while potentially saving thousands over time.
You Want a Lower Interest Rate
Reducing your rate by 0.5%-2% can cut monthly payments and save thousands in interest over the life of your loan.
Your Payment Feels Too High
Refinancing to a lower rate or adjusting your loan term can make your mortgage more affordable and easier to manage.
You Want More Predictable Payments
Switch from an adjustable-rate mortgage (ARM) to a fixed-rate loan to protect against rate increases and gain long-term stability.
You Need Access to Cash
A cash-out refinance allows you to use home equity for renovations, debt payoff, or education, often at a lower rate than other types of credit.
You Want to Remove Mortgage Insurance
Refinancing into a conventional loan can eliminate PMI when your equity reaches 20% or more, lowering your monthly payment immediately.
How Refinancing Can Help You Save Money
Refinancing is one of the most effective tools for improving long-term financial stability. Savings can come from:
Lower Interest Charges
A reduced rate decreases interest paid over the life of the loan.
Smaller Monthly Payments
A lower rate or extended term improves monthly cash flow.
Faster Equity Growth
Shorter loan terms help you pay down your balance sooner and cut total interest costs.
Debt Consolidation Benefits
Cash-out refinances can replace high-interest debt with lower rate mortgage financing
Is Refinancing Right for You?
Refinancing can help you save money, lower your monthly payment, or secure better loan terms. It’s worth considering when the new loan strengthens your rate, improves cash flow, or supports your long-term financial plan.
- Staying three years helps you recover refi costs.
- Better credit can qualify you for a lower rate.
- A fixed rate gives you stable monthly payments.
- Equity can support renovations or debt payoff.
- A lower rate should create good monthly savings.
Refinancing Costs & Affordability
A refinance includes new closing costs, typically 3% to 6% of the loan amount. These costs depend the lender you work with and the loan type, property, and state requirements.
Costs may include Appraisal, Title Insurance, Recording fees, Lender fees, Transfer taxes and Origination fees or discount points.
At LendFriend Mortgage, we outline every fee upfront so you know exactly where your money is going, and always look to minimize costs wherever possible so you can enjoy an appraisal with little to no upfront costs.
See Your Savings Instantly
Estimate your new payment and see how quickly your refinance pays for itself.
Our Refinance Process
We streamline the refinance experience so you can move forward with clarity and speed.
Initial Consultation
We take the time to learn your goals and outline the best refinance strategy.
Rate Shopping
We shop hundreds of lenders with multiple options, so you get competitive pricing with no points.
Application & Documentation
Our team helps gather only what’s required for your loan type.
Rate Lock
Lock in your rate at the right moment, with full guidance.
Appraisal or Streamline Approval
Depending on program requirements.
Final Underwriting and Closing
We resolve the remaining conditions quickly to avoid delays so your refinance closes in just weeks, not months.
Why Homeowners Choose LendFriend Mortgage
LendFriend Mortgage, makes refinancing transparent, cost-efficient, and fast and that's something big banks often struggle with.
No Lender Fees
We remove unnecessary charges so more savings stay in your pocket.
Competitive Rates
Multiple lender partners help us find strong refinance mortgage rates.
Programs for Every Borrower
From standard refinances to jumbo, VA, FHA, DSCR, and crypto-backed loans.
Speed and Communication
Clear updates, transparent paperwork, and closings in weeks.
Trusted by Homeowners Nationwide
Hundreds of five-star reviews show our commitment to accuracy and service.
Stronger Negotiating Position when Buying a Home
The equity in your current home is unlocked and used as a downpayment on your new home; meaning no sales contingency required! Sellers HATE sales contingencies. Without a sales contingency, your offer is stronger, increasing your chances of buying your next home with ease.
Get the Highest and Best Sale Price
Without feeling pressured to sell quickly, you can wait for the best offer on your current home. List your home at the best time, market it effectively, and attract more competitive offers. With no rush, you can negotiate better terms and get the highest selling price.
Reduced Stress
Don't worry about finding temporary housing or organizing multiple moves. Avoid the chaos of having to coordinate the sale of your current home and the purchase of a new one. Transition seamlessly from one home to another and reduce stress or anxiety, making the moving process more manageable and organized.
Time for Improvements
Make necessary renovations or updates to your new property before you move in. Painting, remodeling, or other improvements would be more challenging if you were already living there. Moving into a freshly updated home (instead of living in it during renovations) is just so much nicer!
Reviews from Happy Homeowners Who Refinanced with LendFriend
5/5 Star Reviews on Google, Zillow, and Experience.
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Eric and his team at LendFriend were incredible. They helped us lock in a competitive mortgage rate and were super responsive—even on holidays! Thanks to their speed and support, we were able to secure our dream home the same day it was listed. I can’t recommend them enough. Really a great experience from start to finish!
Aaron Legare
Closed August 2025 -
I have purchased 8 houses in 23 years and have never had an easier closing. Eric and his team have streamlined the process and were a pleasure to work with. They also saved us a lot of money on closing. I highly recommend LendFriend and his team.
April Magnia
Closed August 2025 -
Best rates around and very friendly. Would do business again.
Samantha Lozano
Closed August 2025 -
LendFriend was absolutely great to work with! Michael, Crystal, and Morgan there were all extraordinarily helpful in explaining and walking us through all aspects of our mortgage loan initiation process, and made the process as straightforward and simple as possible. They found us a fantastic rate with very low closing costs, and their customer service is nothing short of stellar. We are very glad to have reached out to them for our new home mortgage, and would HIGHLY recommend them to anyone looking for a new home loan!
Michael Koetting
Closed June 2025 -
I had a great experience with Eric and his team for my VA IRRRL refinance! They were incredibly helpful, and we got everything done in just a few weeks with no issues whatsoever. I cannot recommend LendFriend enough, and they will always be my first call for any future needs. Thank you Eric!
Tyler Stearman
Closed April 2025 -
I had an exceptional experience with LendFriend Mortgage! From start to finish, the team made the process smooth, transparent, and stress-free. They took the time to explain every detail, answered all my questions promptly, and ensured I felt confident every step of the way. The customer service was outstanding—friendly, professional, and genuinely focused on helping me get the best possible rate. My closing was quick and seamless, and I couldn’t be happier with the outcome. I highly recommend LendFriend Mortgage, Eric, and Chelsey to anyone looking for a reliable and trustworthy lender!
Katia
Closed August 2025
Ready to Refinance?
Get Your Refi Mortgage Loan Quote Today
Lower your payment, secure a better rate, or access your home equity now. Call us at 512-881-5099 or fill out our online form for a no-obligation mortgage refinance loan quote. Lock in your savings before rates change.
Read The Latest About Refinancing
FAQs: How Refinancing Your Mortgage Works
Why should I refinance my mortgage
Homeowners refinance to lower their monthly payment, secure a lower interest rate, shorten their loan term, or tap equity through a cash-out refinance. The right refinance can save thousands over the life of your loan.
What documents do I need for a refinance?
Typically you’ll need recent pay stubs, W-2s or tax returns, bank statements, and a credit check. If you’re self-employed, you may qualify with bank statement loans or asset depletion programs instead of traditional tax documentation.
If you are attempting to do a VA IRRRL or an FHA streamline refinance, the paperwork required will be extremely limited as lender's don't need to verify income for these loan products.
Will I need a home appraisal for a refinance?
Conventional refinances usually require an appraisal to determine your current home value. However, FHA Streamline refinances and VA IRRRLs often waive the appraisal requirement, making the process faster and easier.
How much does it cost to refinance?
Closing costs for a refinance are typically 2%–5% of the loan amount. At LendFriend, we charge no lender fees, helping you save significantly compared to big banks.
How long does it take to refinance?
The refinance process usually takes 30–45 days. Streamline programs like a VA IRRRL and digital underwriting can speed up timelines, while cash-out refinances may take a little longer due to appraisal and title updates. Often times it depends on how quickly the borrower can meet the conditions required by the lender.
When should I refinance my mortgage?
The best time to refinance is when today’s lower mortgage rate by at least 1%, or when tapping your equity through a cash-out refinance helps you reach other financial goals. Homeowners also refinance to remove mortgage insurance, shorten their loan term, or switch from an adjustable-rate mortgage to a fixed-rate loan.