Need help getting started? Give us a call at (409) 726-2126

Step 1: Compare Mortgage Refinance Rates as Low as:

Rates effective December 20, 2023

Term Rate APR*
10 Year 6.00% 6.34%
15 Year 6.00% 6.24%
20 Year 6.50% 6.70%
30 Year 6.50% 6.65%
  • Minimum Loan Amount is $20,000
  • Maximum Refinance Loan to Value is 90%
  • Maximum Purchase Money 95% LTV

*APR = Annual Percentage Rate. APR is calculated based on a loan amount of $100,000. Loan rates quoted are based on A+ credit rating. Actual rates will vary and are based on individual creditworthiness. Please call to verify listed rates and fees.

Step 3: Get Prepared to Refinance Your House.

Credit Report

Your credit score is based upon your spending, payment, and credit history. It is represented by a number between 300 to 850. The higher your credit score is, the easier it can be to get approved for your mortgage refinance.

How to get prepared: We recommend you get a free yearly credit report to learn what's on your report before applying for your mortgage refinance.

Your Home's Value

We will assess the value of your house using independent appraisers to help determine how much you are eligible to borrow.

How to get prepared: Click here to get a basic understanding of what your home's value might be before applying for your mortgage refinance.

Debt-to-Income Ratio

Your debt-to-income (DTI) ratio is calculated from how much of your total monthly income (before taxes are taken out) goes towards paying off your debt. This helps us to understand what percentage of your income will go towards your home loan.

Ways To Pay Your Loan


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Meet Our Mortgage Team

Headshot of Blake Worthey

Blake Worthey

VP of Real Estate Lending
(409) 241-2261

Headshot of Susan Benoit

Susan Benoit

Mortgage Lending Manager
(409) 726-2115

Headshot of Sandra Flanigan

Sandra Flanigan

Senior Mortgage Lender
(409) 726-2104

Headshot of Sandy Ferrell

Sandy Ferrell

Senior Mortgage Lender
(409) 726-2106

Headshot of Holly Barlow

Holly Clark

Mortgage Servicing Supervisor
(409) 726-2113

Headshot of Pauline Villarreal

Pauline Villarreal

Mortgage Lending Supervisor
(409) 726-2119

Headshot of Derek J Landry

Derek J. Landry

Chief Lending Officer
(409) 241-2296

Get answers to frequently asked questions

Download our free guide to refinancing your home

It breaks down the process step by step. Inside you'll learn how to decide your goals, calculate your savings, get your home's value, and more!

Home Refinance Guide