Unlock equity through cash-out refinancing—with expert guidance and a fast, streamlined process, we make it easy to turn your home’s value into cash.
Consolidate high-interest debt, such as credit cards or personal loans, into a single mortgage payment
Access equity for meaningful expenses, including home improvements, education costs, or major life events
Create financial flexibility, using your home’s value to support long-term goals
A cash-out refinance can be a powerful tool when used strategically. Because the funds are repaid over time through your mortgage, it’s best suited for long-term financial goals rather than short-term expenses.
Texas cash-out refinance rules are unique, but qualifying is easier than many homeowners expect. With strong equity and solid credit, you may be able to tap your home’s value. Lone Star Financing offers clear guidance and a streamlined in-house process to help you decide if a cash-out refinance fits your goals.
Lender closing costs cannot exceed 2% of your loan amount, excluding third-party fees like attorney, appraisal, and title insurance.
Our new loan cannot exceed 80% of your home’s value, leaving 20% equity untouched. For a $400,000 home, you can borrow up to $320,000.
In Texas, you’re eligible for a cash-out refinance on your primary home after 12 months, or 6 months for investment properties. You must also wait 12 months between refinances.
Lone Star Financing is a Texas-based mortgage broker specializing in home equity and cash-out refinancing statewide. We combine local expertise, experienced underwriters, and modern technology to deliver a fast, streamlined refinance experience from start to finish.
Choose Lone Star Financing as your Texas cash-out refinance partner. As a mortgage broker, we provide competitive rates, efficient closings, and dedicated local customer support.
Sr. Loan Officer
NMLS #277507
Production Manager
NMLS #2004549
Sr. Loan Officer
NMLS #2692859
Sr. Loan Officer
NMLS #1757471
Branch Manager
NMLS #2014728
Unlock your home’s equity with a Texas cash-out refinance. With in-house underwriting and processing, we can close quickly—often in as little as 21 days. Access funds for major expenses and speak with a refinance specialist to see if a cash-out refinance is right for you.
