Refinance Your Mortgage

Lower your monthly payment, remove PMI/MIP, shorten your term, or pull cash-out for renovations and debt consolidation. We’ll price Conventional, FHA, VA, and Jumbo side-by-side and show a clear breakeven before you decide. Prefer to talk it through? Call (480) 336-3737.

• Your current rate is higher than today’s options
• You have PMI/MIP and 20%+ equity (or you’re close)
• You want a 15- or 20-year to pay off faster
• You need cash-out for projects or consolidating higher-rate debt
• You have an FHA or VA loan eligible for a Streamline/IRRRL
   

• Rate-and-Term Refinance — Reduce rate/payment or change your term (30→15/20).
• Cash-Out Refinance — Convert equity to cash for remodels, tuition, or consolidation.
• Conventional Refi to Remove PMI — Refi once you’re ~80% LTV (conditions apply).
• FHA Streamline — Minimal docs; may skip appraisal (program-dependent).
• VA IRRRL (VA Streamline) — For eligible VA borrowers; fast way to lower rate/payment.
• Jumbo Refinance — Options for high-balance loans; fixed or ARM structures.

We’ll confirm appraisal/waiver eligibility, max LTV for cash-out, and any program overlays upfront.
 

• Closing costs: typically ~2–5% of loan amount (plus prepaids for taxes/insurance).
• Timeline: many refinances close in ~21–30 days with complete docs.
• Breakeven: total costs ÷ monthly savings = months to break even. If you’ll sell/refi before that point, consider options (e.g., temporary/permanent buydown, shorter term).
   

Example: If costs are $4,200 and you save $180/mo, breakeven ≈ 24 months.

Credit, income, assets, equity/LTV, property type and occupancy. Some files may receive an appraisal waiver.

Gov’t ID • Recent paystubs • W-2/1099/tax returns (if needed) • Two months’ bank statements • Mortgage statement • Homeowners insurance info.

• Conventional Loans
• FHA Loans
• VA Loans
• Jumbo Loans 

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