Refugio County, Texas
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1 Platform, 6 Refinance Alerts
01
Alert for Lower Rates
02
Alert for Cash Out
03
Alert for Shorter Term
04
Alert for Eliminating PMI
05
Alert for Product Changes
06
Alert for Changes in Home Value
Refugio Real Estate Market Update
Refugio County, Texas, has a dynamic real estate market with a median listing home price of $200,000 as of October 2024, showing a decrease of 7% year-over-year. The median price per square foot is $128, and homes typically spend about 84 days on the market, indicating a moderate pace of sales activity.
The county includes several notable cities, with Refugio being the largest, featuring a median listing home price of $200,000. Woodsboro offers more affordable housing options with a median price of $175,000, while Austwell is the most expensive city, with a median home price of $249,900. Bayside also presents affordable options, contributing to the county's diverse housing landscape.
Living in Refugio County offers a blend of rural and suburban experiences, with agriculture playing a significant role in the local economy. The area is characterized by its open spaces and farming communities, attracting those seeking a quieter lifestyle away from urban centers. The county's affordable real estate and agricultural opportunities make it appealing for individuals and families looking to relocate for a more rural lifestyle.
2025 Mortgage Loan Limits:
Refugio County, Texas
1 Unit
$806,500
Conforming Loans
$524,225
FHA Loans
2 Unit
$1,032,650
Conforming Loans
$671,200
FHA Loans
3 Unit
$1,248,150
Conforming Loans
$811,275
FHA Loans
4 Unit
$1,551,250
Conforming Loans
$1,008,300
FHA Loans
Questions About Refinancing in
Refugio County
What is mortgage refinancing?
Refinancing is the process of replacing your current mortgage with a new one, often to secure a lower interest rate or change the loan terms.When should I consider refinancing?
Consider refinancing when interest rates drop, your credit score improves, or you want to switch from an adjustable-rate to a fixed-rate mortgage.How much does it cost to refinance?
Refinancing costs typically range from 2% to 5% of the loan amount, including closing fees, appraisal, and title fees.How long does the refinancing process take?
The refinancing process usually takes between 30 to 45 days, but this can vary based on lender efficiency and document preparation.What are the benefits of refinancing?
Refinancing can lower your monthly payments, reduce interest rates, shorten loan terms, or allow you to tap into home equity.What is cash-out refinancing?
Cash-out refinancing allows you to take out a new loan for more than your current mortgage balance and receive the difference in cash.Will refinancing hurt my credit?
Refinancing may cause a temporary dip in your credit score due to the hard inquiry, but the impact is usually minor and short-term.Can I refinance with bad credit?
It may be harder to qualify, but some lenders offer refinancing options for people with lower credit scores, though they often come with higher interest rates.How much equity do I need to refinance?
Most lenders require you to have at least 20% equity in your home to qualify for refinancing, though some programs may allow for lower equity percentages.Is it possible to refinance a rental property?
Yes, you can refinance an investment or rental property, though the terms and interest rates may be different compared to refinancing a primary residence.
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