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Refinance

Refinance only if the math actually works.

Lower your rate, shorten your term, or drop mortgage insurance — and we’ll tell you honestly if it’s worth it before you spend a dollar.

Check my options Call 480-588-0397

Who it’s for

Homeowners in Arizona, California, Colorado, and Nebraska who want a lower payment, a shorter payoff, cash from their equity, or to remove mortgage insurance — and want a straight answer on the break-even before committing.

Why borrowers choose it

  • Honest break-even mathWe show you exactly how long it takes to earn back closing costs — and say so if it doesn’t pay off.
  • Rate & term optionsLower your rate, shorten to a 15- or 20-year, or both — structured around your goal.
  • Drop mortgage insuranceIf you’ve built enough equity, refinancing may remove PMI and cut your payment.
  • Cash-out availableTap equity for renovations or debt payoff — see our cash-out & HELOC options.

General guidelines

Typical starting points — your officer confirms what fits. Extending your term can lower the payment but may increase total interest over the life of the loan.

Credit score
620+
Typical for conventional refinances; varies by program.
Home equity
~20%
Often ideal for the best options; less may still work.
Break-even
Varies
Use the calculator to estimate months to recover costs.

Common questions

How do I know if refinancing is worth it?
Compare your monthly savings to your closing costs — the point where savings overtake costs is your break-even. Our refinance calculator estimates it, and your officer will confirm with real numbers.
Will refinancing reset my loan to 30 years?
Only if you choose a new 30-year term. You can refinance into a shorter term to pay off faster — we’ll show both so you can decide.
Can I get cash out when I refinance?
Yes, if you have enough equity. A cash-out refinance replaces your loan with a larger one and gives you the difference. See our cash-out & HELOC page.
Does checking my refinance rate affect my credit?
An initial rate estimate uses a soft inquiry and won’t affect your score. A full application later involves a hard pull, which your officer explains first.
Ready when you are

Find out if a refi pays off.

Answer a few quick questions — no impact to your credit to check — and we’ll run the numbers with you.

See what you qualify for

A few questions, one screen. A licensed officer reviews it and comes back to you — no credit pull to start. 8 required answers, the rest optional.

We lend on homes in Arizona, California, Colorado and Nebraska. In a hurry? Call 480-588-0397.