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Refinancing

Mortgage Refinance Options

Lower your rate, reduce your payment, access your equity, or pay off your loan faster. We shop 20+ lenders to find the right refi for your situation.

Available in Texas, Florida & nationwide

5.0 · 46 reviews

Across 4 platforms

200+

families helped

NMLS #2579601

Licensed in TX & FL

How a refinance unfolds.

01

We check if it’s worth it

We compare your current rate and payment against today’s market. You see the real savings, or we tell you to wait.

02

You choose your refi

Rate & term, cash-out, streamline, or Non-QM. We match the program to your goal, not the other way around.

03

You close and save

We handle the paperwork and lender coordination. Most refis close in 21–30 days, some streamlines faster.

Pick your problem

What’s getting in the way?

Pick the one that sounds like yours — we’ll show the refinance that solves it.

01
The fix

Rate & Term Refinance

Lower your rate or change your loan length, without pulling cash out.

The classic refi — most homeowners start here.

Is it right for you?

Is refinancing right for you?

A row of well-maintained homes in a quiet neighborhood
  • Rates dropped since you bought — save hundreds per month
  • Your credit improved — qualify for better terms now
  • You need cash for renovations, debt payoff, or investing
  • You want to switch from an ARM to a fixed rate
  • You want to eliminate PMI once you reach 20% equity
Should you refinance?

Refinance Break-Even Calculator

Compare your current rate against today’s options. See your monthly savings, how long it takes to recoup closing costs, and your total savings over the life of the new loan.

Refinance Break-Even Calculator

Compare your current loan against a new rate. See your monthly savings, break-even point, and total savings over the life of the new loan.

Your Current Loan

$50K$1M
2%12%

New Refinance

2%12%
$

Monthly Savings

$248

Principal & Interest only

Break-Even Point

19 months

Very Good

Breaks even in under two years. A very defensible refinance — you recoup costs quickly.

How we evaluate break-even

0–12 mo: Excellent12–24 mo: Very Good24–36 mo: Reasonable36–48 mo: Justify it48+ mo: Weak / No
Current Payment (P&I)$1,949
New Payment (P&I)$1,701
Monthly Savings$248
Closing Costs$4,500
Total Savings (life of loan)$84,755

Estimates only. Actual rates, payments, and closing costs vary based on credit, loan amount, and market conditions. This is not a commitment to lend.

More calculators

Liuver Duran — Mortgage Loan Originator NMLS #2579601
20+ yrs in Tech
Meet your loan officer

The engineer who became your mortgage advisor.

Liuver Duran spent 20+ years as a software engineer before pivoting to mortgages. He brings a systems-thinking mindset to an industry that rarely sees it, building real tools that make the process transparent, fast, and stress-free.

  • NMLS #2579601 — Licensed in TX & FL
  • Bilingual guidance, in English or Spanish
  • Founder of Elit3 Estate (2025) — the elite community for Hispanic realtors
  • Founder of NeverLost CRM (2026) — the CRM built for realtors & loan officers
  • Leader of The Trusty Lender team (founded 2025)
FAQ

Refinance FAQ

Common questions about refinancing your mortgage

Other options

Explore other paths

Ready to see your numbers?

Send us your current loan details and we’ll come back with a clear comparison and a next step.

(832) 869-5327

Your next step

Let’s compare the real costs and benefits.

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