Mortgage Refinance in Houston, TX
Lower your payment, tap equity, or drop mortgage insurance.
Work directly with Jodie Barber, a mortgage broker with 30 years of experience serving Houston and all of Harris County.
Houston at a glance
Largest TX metro; FHA floor ($541,287) covers an unusually large share of Houston SFR transactions, making FHA hugely accessible. Houston HAP DPA up to $50K. Modest price growth (+1.4%). No dominant base — lead with FHA/FTHB/refi + property-tax-protest content.
Serving Houston neighborhoods including The Heights, Montrose, Katy/West Houston, Spring Branch, Pearland side, Sugar Land side.
Why a refinance in Houston?
Homeowners looking to reduce their rate/payment, consolidate debt, fund a project, or remove PMI.
- ✦Rate-and-term refinance to lower your payment
- ✦Cash-out refinance to use your equity
- ✦VA IRRRL streamline for existing VA loans
- ✦A clear break-even analysis before you commit
My First Texas Home (MFTH) — up to 5% of loan amount. First-time buyer (or veteran / targeted-area exemption); 620 min FICO; income limits vary by county/household (~$97K for 1-2 person, ~$111,550 for 3+ in most counties, higher in Austin/Dallas); homebuyer education required; stackable with MCC
Mortgage Refinance FAQ
- Should I refinance in 2026?
- It depends on your rate, how long you'll keep the home, and the closing costs. I'll run a real break-even so the numbers — not the hype — make the decision.
“Homeownership is a partnership.” Let's talk about your refinance in Houston. No pressure — just straight answers from someone who's done this for 30 years.