Refinance your mortgage in Texas.

Athena is a licensed mortgage lender — not a traditional bank — refinancing conventional mortgages fully online. We're licensed in Texas, and you can verify our license anytime through NMLS Consumer Access or on our licensing page.

Refinance options

  • Rate-and-term refinance — replace your current mortgage with a new rate, a new term, or both. Available in Texas.
  • Cash-out refinance — not available in Texas. Texas applies its own constitutional rules to cash-out refinancing (Article XVI, Section 50(a)(6)), and Athena's cash-out product isn't offered there.

How it works

  1. Check your options. Seeing them takes about 30 seconds and uses a soft credit inquiry — no impact to your credit score. A hard pull comes later, with a full application.
  2. See your numbers. Your options on screen, in plain figures, before you commit to anything.
  3. Close fully online. The whole process runs digitally, from application through closing.

Texas refinancing facts

Texas treats home-equity lending differently from every other state: cash-out refinances are governed by Article XVI, Section 50(a)(6) of the Texas Constitution, which sets its own limits and requirements. That's why Athena offers rate-and-term refinancing in Texas, but not cash-out. If your goal is a different rate or term rather than cash, the rate-and-term process works the same in Texas as anywhere else.

No lender fees. Zero points required.*

*Buying your rate down with discount points is always optional, never required. Other closing costs still apply. — “No lender fees” means Athena charges no origination, application, processing, or underwriting fees. Third-party and prepaid costs — appraisal, credit, title, recording, and prepaid interest — still apply at every lender, and your Loan Estimate shows the actual figures for your loan.

Frequently asked questions

Is Athena licensed in Texas?

Yes — Athena (NMLS #2771910) is licensed in Texas. Our current state licenses are listed at athenamoney.co/licensing, and you can verify any lender's license directly at NMLS Consumer Access.

Does checking my options affect my credit?

No — seeing your options uses a soft credit inquiry, with no impact to your credit score. A hard pull happens later, with a full application.

What types of loans does Athena offer in Texas?

Conventional refinancing — rate-and-term, and cash-out where available. Athena doesn't offer purchase loans, FHA/VA/USDA loans, jumbo loans, HELOCs, or second mortgages.

What does refinancing cost with Athena?

Athena charges no lender fees and requires zero discount points. Third-party and prepaid closing costs — appraisal, credit, title, recording, prepaid interest — still apply, and your Loan Estimate shows the exact figures before you commit.

Is the process really online?

Yes — application through closing runs digitally. You'll see your numbers on screen at each decision point.

Why isn't cash-out refinancing available in Texas?

Texas applies its own constitutional rules to cash-out refinancing (Article XVI, Section 50(a)(6) of the Texas Constitution), and Athena's cash-out product isn't offered there. Texas homeowners can still refinance rate-and-term with Athena.

See your options in Texas.

It takes about 30 seconds, with no credit impact to look.

→ apply.athenamoney.co/introduction