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.
Today's Refinance Mortgage Rates
Mortgage rates fluctuate daily, but acting now can get in substantial savings. Currently (as of December 10, 2025):- 30-year fixed refinance rates typically range from 6.16% to 6.57% nationwide.
- 15-year fixed refinance rates usually fall between 5.50% and 6.24%.
- In Texas, 30-year fixed refinance mortgage rates average around 6.31%.
Stay informed with LendFriend Rate Alerts, get real-time updates on rate drops, and get your savings at the right moment.
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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.
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
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
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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.
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.
Does refinancing affect my credit score?
A refinance requires a credit inquiry, which may cause a small, temporary dip. Over time, refinancing into a lower payment can actually improve your credit by reducing your debt-to-income ratio.
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 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.
Can I refinance if I have a jumbo loan or investment property?
Yes. Jumbo refinances, DSCR loans, and other non-QM refinance programs are designed for high-balance properties and real estate investors who may not fit traditional guidelines.
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.