If you’re a homeowner in Cypress or the Greater Houston area, refinancing your mortgage could be a smart way to improve your financial outlook. Whether you’re looking to lower your interest rate, reduce your monthly payments, or access your home’s equity, C&T Mortgage is here to help you make it happen. As a locally based lender, we understand the unique needs of Texas homeowners and are proud to offer refinancing solutions tailored to our community. With personalized service and competitive rates, we’re committed to helping our neighbors build a stronger financial future.
Mortgage refinancing involves replacing your existing home loan with a new one—often with better terms. Many homeowners across the Houston area choose to refinance in order to switch from an adjustable-rate mortgage to a fixed-rate loan, shorten their loan term, or tap into their equity for home improvements, debt consolidation, or other major expenses. Our experienced loan officers in Cypress are here to walk you through every step, from evaluating your current mortgage to finding the right refinancing option for your goals.
This Free Refinance Advisor has been designed to help narrow down options based on your individual needs. It's quick, it's easy, and the more questions you answer - the more accurate your results.
Types of Refinance Loans
At C&T Mortgage, our varied loan and refinancing options are designed to provide clients with the most possible options to help them conveniently and efficiently meet their needs. Here’s a brief overview of each option we offer!
Rate-and-Term Refinance
This type of refinance involves changing the interest rate, loan term, or both, without altering the principal amount. It benefits homeowners looking to reduce their monthly mortgage payments, secure a lower interest rate, or shorten the loan term to pay off their mortgage faster.
Cash-Out Refinance
This refinance allows homeowners to borrow more than they owe on their current mortgage, taking the difference in cash. It is ideal for homeowners needing substantial cash for large expenses such as home improvements, debt consolidation, or major purchases and who have significant equity built up in their home.
Cash-In Refinance
In this refinance, homeowners pay down a portion of their mortgage principal during the refinancing process to lower the loan amount. It benefits homeowners wanting to reduce their loan-to-value ratio, eliminate private mortgage insurance premiums (PMI), or qualify for better loan terms by lowering their mortgage balance.
Streamline Refinance
A streamlined refinance process is a process with less documentation and potentially no appraisal, and it is often offered for government-backed loans like FHA, VA, or USDA loans. It benefits homeowners with existing government-backed loans seeking a quicker and easier refinance process to lower their interest rate or change their loan term.
No-Closing Cost Refinance
This is a refinance where the lender covers the closing costs in exchange for a slightly higher interest rate or adds the costs to the loan balance. It benefits homeowners who prefer not to pay out-of-pocket for closing costs, especially those who may not have the funds available upfront.
Short Refinance
This might be appropriate in a situation where the lender agrees to forgive a portion of the borrower's mortgage debt and refinance the remaining balance into a new loan. It benefits homeowners struggling with underwater mortgages (owing more than the home’s value) and those at risk of foreclosure, who need a more affordable payment plan.
Reverse Mortgage
This is a loan available to homeowners aged 62 or older, allowing them to convert part of their home equity into cash, which they don’t have to repay until they move, sell, or pass away. It benefits seniors looking to supplement their retirement income, cover healthcare expenses, or improve their quality of life without having to sell their home or make monthly payments.
Is a Mortgage Refinance Right for You?
Refinancing might be the right move if your current interest rate is higher than what’s available today, if your credit score has improved since you first bought your home, or if you want to change your loan structure. Refinancing could help you save thousands over the life of your loan or free up funds through a cash-out option. If you’re planning to stay in your home for a while, refinancing can offer long-term benefits that outweigh the upfront costs.
Not sure where to start? Our purchasing assistant tool can help you explore your refinancing potential before you even speak with a loan officer.
Calculating Your Refinance
Before you commit to refinancing, it’s important to understand how the numbers break down. Calculating your potential savings—and weighing them against the costs—can help you decide if a refinance is the right move. At C&T Mortgage, we provide clear, personalized estimates that take into account your new interest rate, loan term, closing costs, and the amount of time you plan to stay in your home.
Our team will help you run the numbers and compare your current mortgage with your potential refinance to see how much you could save in both the short and long term. We’ll also explain how your monthly payments may change and whether a cash-out option could give you access to funds for home upgrades or debt repayment. For a quick start, try our online purchasing assistant tool—it’s designed to help homeowners like you explore your refinancing options with ease.
Frequently Asked Questions About Mortgage Refinancing
Why C&T Mortgage?
C&T Mortgage has been voted the Best Mortgage Company in Cy-Fair by readers of Living Magazine for 11 years running—a reflection of the team’s dedication to flexibility, exceptional customer service, and using their expertise to get incredible deals for their customers.
With a range of refinance loan types tailored to our clients’ preferences and needs and a number of conveniences like in-house loan processing, service on nights and weekends, and a 24-hour approval turnaround time, we’re ready to be your trusted mortgage lender.
Hear What Our Clients Have to Say
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Very knowledgeable group that worked diligently to get us into our new home. I felt comfortable and informed throughout the entire process. I highly recommend Carrie and her team!
Allan Hunt
August 10, 2023C & T Mortgage came through for me twice in the last 4 years! Twice they got me a home loan. Twice they told me what was possible... read more
Tomas Spath
July 17, 2023Tami was absolutely spectacular! Knowledgeable, friendly, and FAST! Great integrity, true customer advocacy, and a history of success. Will use again.
Landon Churchill
July 17, 2023Dealt with the team from a remote location. Mark and his Team are outstanding professionals who were super responsive, and worked very hard to help me secure the right mortgage.
D Shep
July 17, 2023 -
Thank you Stephanie for your support and the quick turnaround. You were great to work with and very responsive for all my questions
Ashley Nguyen
May 17, 2023Stephanie was fantastic to work with - knowledgeable, professional and patient. She took us through the entire process, step by step, taking the time to help us understand each part.... read more
Debb Harris
May 17, 2023Carrie was a great help to me always on whatever needed to be done she did a great job !!!
Sandi Roland
May 17, 2023We could not be more pleased with our experience with C&T mortgage. Tami took care of every single detail of our home buying process with excellence, professionalism, extreme care,... read more
Katie
May 17, 2023 -
Amazing team and staff! Extremely professional and knowledgeable. Took great care of my family during our home buying process and they treated us like family! What could have been hard... read more
Albert King
May 17, 2023Carrie was just fantastic to work with! Excellent communication..so professional, accommodating and attentive. Can’t wait to work with her again in the future!
Felicia “Fee” M
April 17, 2023Thank you for working to make our first home purchase an enjoyable one. I could not more highly recommend!
Lance Meier
April 17, 2023NICE WORK
Faisal Khalil
April 17, 2023 -
Carrie is amazing! She is effective, honest, supportive and reliable. We are thankful for all the help we received and will continue to recommend C&T Mortgage to others. Thank you... read more
Mari
February 17, 2023Stephanie and all of C&T were great! They answered all of our questions and made this a smooth and knowledgeable experience. Most importantly we could trust that they had our... read more
Raul Davila
February 17, 2023Process was fast and friendly, thank you Mark team for everything, made closing stress free.
Ly
January 17, 2023Tami and her team are awesome!! From helping us get a great rate in a tough season, to helping with timelines in a fluid closing situation, they didn't miss a... read more
Daniel Daly
January 17, 2023 -
Carrie is awesome. We've worked with her on multiple property deals now and won't be going elsewhere. Quick, accurate, dedicated and always available for questions as and when we need.
Andrew Foulkes
January 17, 2023The absolute best experience on our new home! Tami and her staff were efficient, fast, and always available! I can’t thank them enough for making this process so easy!
Tiffany Vernon
December 17, 2022I could not recommend this team enough! They worked night and day for me to fit a great house into my budget. Specifically Tami and Mariah on the team were... read more
I Am Batman
December 17, 2022From start to finish, Jennifer and her team were absolutely amazing! I would recommend Jennifer and her services to anyone! She truly made my buying experience such a smooth and... read more
Kimberly LeRoy
December 17, 2022 -
I am so incredibly thankful for having been recommended to C&T Mortgage! Throughout my entire first time home buying experience, I felt that I could call Tami and she was... read more
Nicole Belanger
November 17, 2022Tami was THE BEST in helping me purchase my first home on my own. I highly recommend C&T for everyone.
Lesley K
November 17, 2022Mark and his team were great! They answered all of our questions, we’re quick to respond, and guided us through the whole process.
Scott Brown
November 17, 2022Mark and his team are great! Always willing to go the extra mile and really care about you! Made a stressful time that much easier! Highly recommend them!
kristen bond
November 17, 2022 -
Hands down the best! Great team. LOVE both Tami and Carrie. They are true rock stars!
Samantha Ridgeway
October 17, 2022FANTASTIC EXPERIENCE AND A GREAT RATE!! THANK YOU MARK AND MARIAH!!
Carmina del Fonso
October 17, 2022C&T Mortgage was great to work with. Stephanie guided us through the process and answered all of my detailed questions. They were able to offer us a very competitive rate.... read more
Ronny Moya
October 17, 2022OUTSTANDING TEAM !!! Thank You so much. I can’t say enough about them. From start to finish was top notch. We closed in less than two weeks.
Jed Holt
October 17, 2022 -
Carrie and the C&T Morgage team were absolutely fantastic. With the market over the last few years we were trying for a very long time to buy a house. ... read more
Blair Allen
October 17, 2022Being referred to Jennifer was the best thing that could’ve happened to me during a first home purchase. I had another mortgage lender that was not so great at first.... read more
Fallon Hasana
October 17, 2022Great folks to work with!!! Highly recommend!! Went above and beyond to take care of all our needs.
Clayton Hooten
October 17, 2022Carrie with C&T Mortgage is the best! Honest, friendly, reliable, and always there to answer any question we had. She walked us through the whole process and made this... read more
Gabriela Pozas
September 17, 2022 -
What a great experience. Our loan agent Maria Young was so patient and professional with us throughout the entire process. Really made us very comfortable in the entire process.
Mike Mateo
September 17, 2022Stephanie Drewry and the entire C&T Mortgage team were absolutely amazing! Stephanie made buying my first home a breeze. From initial conversations, walking me through all my paperwork to closing,... read more
Stevie Webb
September 17, 2022Amazing !! I don’t think that word even comes close to describing Jennifer. Her talent, patience and knowledge goes beyond ! She makes home buying such an easy process !!!... read more
Raul Diaz
August 17, 2021Excellent service, always in touch with us throughout the refinance process. First time ever to have a pleasant experience with a mortgage company, and they were wonderful. I... read more
Carol McCauley
August 17, 2021 -
Janelle Viscomi was the Lady that helped us purchase our home. She went above and beyond to help us. Always very nice and helpful. And returned phone calls and texts... read more
kim Rodrigues
August 17, 2021From the very first call until after closing, Carrie and her team at C&T mortgage made our first home buying experience memorable. Carrie and her team were efficient, professional, and... read more
Melissa Cruz
August 17, 2021Thanks . Second year hear and enjoying my home Thank you M.Hammond
Jo Holley-Ferguson
August 17, 2021C&T was recommended by a friend and they exceeded my expectations. Carrie was really great to work with. Understood what we wanted and beat the prices of the national... read more
David Wilson
August 17, 2021
