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Refinance Mortgage Loans in Southlake, TX

When you refinance, you replace your current mortgage with a new one—usually to get better terms. Refinancing your home loan can help you lower your interest rate, reduce your monthly payment, change loan terms, or tap into equity for cash. At Assurance Home Loans, we make the refinance process simple and customized to fit your financial goals.

refinance options we offer

Rate-and-Term Refinance – Lower your interest rate or adjust your loan term
Cash-Out Refinance – Convert home equity into cash for renovations, debt payoff, or investment
FHA Streamline Refinance – Fast, low-doc refinance option for existing FHA loans
VA IRRRL (Interest Rate Reduction Refinance Loan) – Simplified refinance for VA borrowers
Conventional Refinance – For strong-credit homeowners seeking better loan terms

When should you refinance your mortgage

Lower Rate
There are a number of ways to lower your mortgage payment. An obvious option is to lower your interest rate. Even a small reduction in rate can have a dramatic affect over time.
Eliminate Mortgage Insurance
We have more than one option to eliminate, or at least reduce, mortgage insurance — even if you don’t have much equity.
Use Your Equity
A cash-out refinance allows you to use your home equity to pay off debt, remodel the kitchen, buy a new car, or pay for your child’s college tuition.
Choose Your Term
You have more choices than just a 15 or 30-year term. Now you can choose any specific year you like. Already been paying for three years? Get a 27-year term mortgage.

how the refinance process works

Consultation – We learn about your financial goals
Loan Analysis – We show you options and run savings comparisons
Application & Lock – Lock your rate and start paperwork
Appraisal & Underwriting – Evaluate your home and verify documents
Closing – Finalize your new loan and enjoy the benefits

Save Money

Let’s run the numbers together. You may be able to save more than you think—or access cash you didn’t know was available. Reach out today for a free refinance review.

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FAQs

How much can I save by refinancing?

It depends on your current loan amount and rate compared to the new terms, but even a small rate change can save thousands over the life of the loan.

Do I need to get my home appraised again?

In many cases, yes—but streamlined programs like FHA Streamline or VA IRRRL may waive this requirement. Even conventional loans waive the appraisal if there is substantial equity in the home.

Is cash-out refinancing taxable?

No. Funds from a cash-out refinance are considered borrowed money, not income.

Pursuing the Art of Home Financing

You have a CHOICE when you need mortgage financing, and it is a PRIVILEGE to be considered for the job! We hope to EARN your goodwill and begin a long-time FRIENDSHIP with you.