Make your mortgage work for you.
A refinance can lower your rate, shorten your term, drop PMI, or unlock cash from your equity. Pierre will run the numbers honestly — and only recommend it when it actually makes sense.
Refinance to a lower fixed rate when market conditions allow.
Move from 30-yr to 15-yr to build equity and save on interest.
Tap home equity for renovations, debt consolidation, or investment.
Refinance once you cross 20% equity to remove mortgage insurance.
Cash-out refinance
In Texas, cash-out refinances are governed by Section 50(a)(6) of the Texas Constitution — limiting cash-out to 80% LTV with specific consumer protections. Edge Home Finance ensures every Texas cash-out refi follows these rules to the letter.
- • Maximum 80% combined loan-to-value
- • 12-day waiting period after application
- • 3-day right of rescission after closing
- • Once a property has been refinanced under 50(a)(6), all future refis are subject to the same rules
Run the numbers with Pierre
We'll compare your current loan to refi options side-by-side — and tell you flat-out if it doesn't make sense to refinance right now.
Start Refinance InquiryOpportunity Lender
Edge Home Finance Corporation · Company NMLS #891464 · 5860 Baker Road, Minnetonka, MN 55345 · (763) 219-8484 · Toll-Free 1-800-595-8560. Loan officer: Pierre Joseph, NMLS #1978260. Verify licensing at the NMLS Consumer Access portal.
Affiliated Business Arrangement Disclosure: Pierre Joseph is a licensed Texas Realtor (#0537207) with Gens Realty, LLC and a licensed Loan Originator (NMLS #1978260) with Edge Home Finance Corporation. Gens Realty, LLC and Edge Home Finance Corporation are separate companies. You are not required to use Edge Home Finance Corporation as a condition for the purchase, sale, or refinance of property. There are other providers of these settlement services, and you are free to shop around to determine that you are receiving the best services and the best rate for these services.
Not a commitment to lend. All loans subject to credit approval, property appraisal, and underwriting guidelines. Rates, terms, and programs subject to change without notice. APR may vary. Edge Home Finance Corporation is licensed in multiple states. Equal Housing Opportunity.