Refinance your mortgage in Texas.

Athena is a licensed mortgage lender — not a traditional bank — refinancing conventional mortgages online. We're licensed in Texas, and you can verify our license anytime through NMLS Consumer Access or on our licensing page. A Texas cash-out on your primary residence is signed in person, because the state constitution requires it.

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 — turn part of the equity you've built into cash. On your primary residence in Texas this is a home-equity loan under Article XVI, Section 50(a)(6) of the state constitution, which adds requirements beyond a standard refinance — including signing the final papers in person at a lender's, attorney's, or title company's office rather than online. Your disclosures set out the rest before you commit. Available in Texas.
    How much equity do you need for a cash-out refinance?

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. A rate-and-term refinance runs digitally from application through closing. A Texas cash-out is a Section 50(a)(6) home-equity loan, so you sign the final papers in person at a lender's, attorney's, or title company's office.

Texas refinancing facts

Texas treats home-equity lending differently from every other state: a cash-out refinance on your primary residence there is governed by Article XVI, Section 50(a)(6) of the Texas Constitution, which sets its own limits and requirements. Athena offers both rate-and-term and cash-out refinancing in Texas. The requirement that changes how you close is that you sign the final papers in person at a lender's, attorney's, or title company's office rather than online; the constitution's limits and timing reach you through your disclosures. A rate-and-term refinance in Texas skips the cash-out requirements, unless your current mortgage is itself a Section 50(a)(6) home-equity loan — then it converts under Section 50(f)(2), which carries its own rules.

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, except where state law requires an in-person signing. You'll see your numbers on screen at each decision point.

What's different about a cash-out refinance in Texas?

Texas applies its own constitutional rules to cash-out refinancing on a primary residence (Article XVI, Section 50(a)(6) of the Texas Constitution). Athena offers it there. The rule that changes what you do: you sign the final papers in person at a lender's, attorney's, or title company's office rather than online or at home. The constitution also sets limits and timing the rest of the country doesn't have, and your disclosures set those out before you commit. A rate-and-term refinance in Texas skips these, unless your current mortgage is itself a Section 50(a)(6) home-equity loan — then it converts under Section 50(f)(2), which carries its own rules.

See your options in Texas.

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

→ apply.athenamoney.co/introduction