Refinance your mortgage in Texas
Athena is a licensed mortgage lender in Texas offering refinancing with $0 lender fees and $0 discount points. Check your rate in about 30 seconds with a soft credit check that won't affect your score, and close in as little as 8 business days.
Refinancing in Texas
Athena automates the manual parts of underwriting and charges $0 lender fees and $0 discount points, passing the savings to Texas homeowners. In Texas, Athena operates under a Mortgage Company License (NMLS #2771910). Availability and pricing depend on your credit, income, property, and final underwriting.
Ways to refinance in Texas
- Lower-rate refinance. Refinance your conventional mortgage to a lower interest rate and reduce your monthly payment.
- Shorter-term refinance. Refinance your conventional mortgage to a shorter term to pay it off faster and save on total interest.
- Fixed-rate refinance. Refinance an adjustable-rate conventional mortgage into the stability of a fixed rate.
Texas refinancing FAQ
Can I refinance my mortgage in Texas?
Yes. Athena is a licensed mortgage lender in Texas (NMLS #2771910) and refinances conventional mortgages there. Check your rate in about 30 seconds with a soft credit check that does not affect your credit score.
What does it cost to refinance with Athena in Texas?
Athena charges $0 lender fees and $0 discount points. Third-party fees (such as title, appraisal, and recording) and prepaid items may still apply and vary in Texas. Your Loan Estimate shows exact figures.
How fast can I refinance in Texas?
Athena's digital-first process can close a refinance in as little as 8 business days, depending on your documentation, property, and Texas title timeline.
Is Athena licensed in Texas?
Yes. In Texas, Athena operates under a Mortgage Company License (NMLS #2771910). You can verify Athena's licenses at NMLS Consumer Access.
See your options in other states on the refinance overview.
Texas required disclosure
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR A LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV.