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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.

4.9 Stars (53 Reviews)

Hear From Our Customers

We had a great experience working with Darren and Brian on our recent mortgage. From start to finish, the process was smooth and easy and we were in the loop throughout the process. The communication was top notch and we will certainly use Flagstone without hesitation again. Highly recommended.

John L.

We recently closed on our home and had an amazing experience working with this mortgage team. From start to finish, they were responsive, transparent, and incredibly easy to work with. Big shoutout to Darren, he was always available to answer questions (even the small ones), explained every... We recently closed on our home and had an amazing experience working with this mortgage team. From start to finish, they were responsive, transparent, and incredibly easy to work with. Big shoutout to Darren, he was always available to answer questions (even the small ones), explained every step clearly, and made sure we felt confident throughout the process. What really stood out was how organized and proactive the team was, no surprises, no last-minute scrambles, and everything stayed on track. The rate we got was competitive, one of the lowest! and what really made the difference was the personal attention, fast turnaround, and the sense that they genuinely cared about getting us to the finish line smoothly.

Rukshana Hirani

Darren Smith and the entire Flagstone team are AMAZING!! We have used them on numerous occasions and they are always so informative and just a pleasure to work with. I will definitely use them again if the need arises!

Preston Pickens

Flagstone is fantastic. Darren and Jacqui are prompt, professional, and responsive. Darren has handled two houses for our family and both experiences have been great. Darren saved us money, made the process easy, answered all our questions, and really got the job done. I would recommend... Flagstone is fantastic. Darren and Jacqui are prompt, professional, and responsive. Darren has handled two houses for our family and both experiences have been great. Darren saved us money, made the process easy, answered all our questions, and really got the job done. I would recommend Flagstone without hesitation, and I have.

Andreas Jones

My wife and I used Flagstone as our brokerage firm for our first home purchase. Darren was extremely personable, professional, knowledgeable, and made the process seamless end-to-end (not to mention everything working out for us better than expected on the lending side). I have recommended them... My wife and I used Flagstone as our brokerage firm for our first home purchase. Darren was extremely personable, professional, knowledgeable, and made the process seamless end-to-end (not to mention everything working out for us better than expected on the lending side). I have recommended them to friends and they have had the same fantastic experience. Highly recommend

Christian M

Darren Smith was AWESOME!!! Initially I shopped around for lenders, calling at least 5 different companies and he is the only person who seemed to really be interested in my business. And it stayed that way throughout the entire experience. Top priority and speedy communications and... Darren Smith was AWESOME!!! Initially I shopped around for lenders, calling at least 5 different companies and he is the only person who seemed to really be interested in my business. And it stayed that way throughout the entire experience. Top priority and speedy communications and processes. I would happily use Flagstone again and highly recommend them to others!

Morgan Pagel

Darren Smith and the Flagstone Financial team made my recent home purchase a breeze. I felt like I was their priority during the whole process which I can not say about other lenders I've worked with previously. I recommend the Flagstone team for anyone that wants to work with mortgage bankers... Darren Smith and the Flagstone Financial team made my recent home purchase a breeze. I felt like I was their priority during the whole process which I can not say about other lenders I've worked with previously. I recommend the Flagstone team for anyone that wants to work with mortgage bankers that are highly experienced, responsive, and most importantly care about their clients.

Jordan Strauss

Darren is always a pleasure to work with. I have had 3 loans from Flagstone in the past 10 years and I don't bother to shop around as I feel confident that I get the best rate and great service. My realtor said that Flagstone was one of the best lenders he had worked with.

Arthur Picone

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.