Lower Your Monthly Payment: Reduce your interest rate to decrease monthly payments and free up cash flow for other priorities.
Cash-Out Refinancing: Access your home's equity for home improvements, debt consolidation, education, or investment opportunities.
Switch Loan Types: Move from an adjustable-rate to a fixed-rate mortgage for payment stability.
Loans Available in the following States:
AL, AK, CA, CO, FL, GA, ID, IL, IN, IA, KS, LA, MI, MN, MS, MO, MT, NE, NJ, NM, OH, OK, OR, PA, SC, TN, TX, VA, WA
Texas Constitution Article XVI, Section 50(a)(6) - Home Equity Loan Restrictions:
VA Interest Rate Reduction Refinance Loan (IRRRL)
VA Cash-Out Refinance
Rate and Term Refinance
Cash-Out Refinance
Jumbo Refinancing
FHA Streamline Refinance
FHA Cash-Out Refinance
Investment Property Refinancing
Portfolio Lending Options
Q: How much can I save by refinancing?
A: Savings depend on your current rate vs. new rate, loan amount, and how long you plan to stay in the home. A good rule of thumb is that refinancing makes sense if you can lower your rate by at least 0.5-0.75%. We'll provide a detailed cost-benefit analysis based on your specific situation.
Q: How long does the refinancing process take?
A: Typically 30-45 days from application to closing. VA IRRRL and FHA Streamline refinances can close faster (15-30 days) due to reduced documentation requirements.
Q: What are closing costs for refinancing?
A: Generally 2-5% of the loan amount, including appraisal, title insurance, origination fees, and other costs. Many costs can be rolled into the new loan amount.
Q: Should I refinance if I'm planning to move soon?
A: Generally no, unless you're doing a cash-out refinance for a specific purpose. Calculate your break-even point (closing costs ÷ monthly savings) to determine if refinancing makes sense based on your timeline.
Q: Can I roll closing costs into my refinance?
A: Yes, if you have sufficient equity. This is called a "no cash to close" refinance, though you'll pay interest on the closing costs over the loan term.
Why Choose Adam Bartling for Your Texas Refinance?
✅ Veteran Expertise: Retired Army veteran who understands military benefits and financial discipline
✅ No Upfront Credit Check: Get pre-qualified without impacting your credit score
✅ Educational First Approach: We'll explain all options so you make informed decisions
✅ Multiple Lender Network: Shop top lenders who compete for your business
✅ Video Consultations: Convenient virtual meetings that fit your schedule
✅ Dedicated Processing: Same team from application through closing
✅ Texas Licensed: Fully licensed and experienced with Texas regulations
Loan Range: $85K - $5M
Specializing In: VA, Conventional, FHA, USDA, and DSCR Refinancing
Don't let high interest rates cost you thousands. Contact Adam Bartling today for your free refinancing consultation and discover how much you could save.
1700 Walger Avenue, Rosenberg, Texas 77471, United States
Schedule a Meeting: https://calendly.com/adam-j-bartling/30min
713-301-0007 Adam@BartlingLending.com
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