Lone Star Financing specializes in Texas cash-out refinancing, helping homeowners turn built-up equity into greater financial flexibility. Our experienced team provides clear guidance and a streamlined process designed to keep your refinance moving efficiently from start to finish.
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
While a cash-out refinance can be a powerful financial tool, it’s important to use home equity thoughtfully. Because the funds are repaid over time as part of your mortgage, cash-out refinancing is often best suited for longer-term needs rather than short-term spending.
Texas cash-out refinance guidelines differ from other states, but qualifying is more straightforward than it once was. Homeowners with sufficient equity and solid credit may be able to refinance and access cash from their home’s value. With rising equity across Texas, many homeowners now meet these requirements. Lone Star Financing provides clear guidance and an efficient, in-house process to help you determine whether a cash-out refinance makes sense for 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.
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.
Headquartered in Austin, Lone Star Financing is a proud Texas-based mortgage broker specializing in home equity and cash-out refinance solutions statewide. With a strong local focus, our team works closely with experienced underwriters who understand the unique needs of Texas homeowners. By leveraging modern technology and a streamlined process, we make refinancing straightforward and efficient—delivering clear guidance and a smooth experience from start to finish.
Sr. Loan Officer
NMLS #1438746
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.