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Refinance · Austin, TX

Refinance Austin TX — Lower Your Rate & Save

Searching for the best refinance rates in Austin? Modern Mortgage is For Texans by Texans and shops 100+ wholesale lenders to find you a lower rate than your current bank — for rate-and-term, cash-out, FHA streamline, VA IRRRL, and Bank Statement refinances across the Austin metro.

See My Refinance Rate Call 1-866-650-3334

Austin refinance rates change daily. We shop them so you don't have to.

Austin homeowners have built serious equity over the past few years — and even a 0.25% rate drop can save you tens of thousands over the life of your loan. As an Austin-based Texas mortgage broker, we compare wholesale refinance offers from 100+ lenders in real time, so your refinance austin tx quote reflects what's actually available today, not yesterday's rate sheet from a single bank.

We serve refinancers across the Austin metro — including Round Rock, Cedar Park, Pflugerville, Leander, Georgetown, Buda, Kyle, and Dripping Springs — with deep knowledge of Travis, Williamson, and Hays county loan limits and property tax nuances.

Why Austin homeowners refinance with a broker

100+ wholesale lenders shopped per file — your rate isn't capped by one bank's pricing sheet.
Streamline refinances close fast. FHA streamline and VA IRRRL programs with minimal documentation.
Cash-out refis built for Austin equity. Tap appreciation for renovations, debt consolidation, or investment.
Bank Statement refis for self-employed Austinites. No tax returns needed — use 12–24 months of deposits.
No-closing-cost options available. Roll costs into the rate and start saving from day one.
Local Austin team, statewide lender network. You get boutique service with institutional pricing power.
 Modern Mortgage
(Broker)		Retail Lender
(big bank, CrossCountry, etc.)
Number of lenders shopped100+1
Rate shopping across lenders
Loan program variety (QM + Non-QM)
Works for…YouThe lender
One application → many lenders
Wholesale pricing

Refinance programs we offer in Austin

Rate-and-Term Refi

Lower your rate or change your term without taking cash out. Conventional, FHA, and VA.

Cash-Out Refinance

Tap your Austin home equity. Use funds for renovations, debt payoff, or investment.

FHA Streamline

Minimal paperwork, no appraisal required in many cases. Fast track to a lower FHA rate.

VA IRRRL

Interest Rate Reduction Refinance Loan for Austin veterans. Streamlined process, low fees.

Bank Statement Refi

Self-employed? Use 12–24 months of bank statements instead of tax returns to qualify.

DSCR Refi

Investment property refinance based on rental income, not personal tax returns.

Refinance FAQ — Austin, TX

Ready to see how much you can save refinancing in Austin?

Take the 60-second quiz. We'll compare 100+ lenders and show you real refinance rates — no credit pull, no commitment.

Check My Refinance RateView today's rates →

A few of the 100+ wholesale lenders we shop

We compete the lenders, you keep the savings.

  • UWM
  • Rocket Pro TPO
  • Kind Lending
  • Newrez Wholesale
  • Pennymac TPO
  • Loan Depot Wholesale
  • Plaza Home Mortgage
  • Carrington Wholesale
  • AmeriHome
  • Homepoint
  • Angel Oak
  • Change Wholesale

Partner list shown for reference only and may change. Modern Mortgage has access to 100+ wholesale lenders through our broker network.

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