Arizona homeowners
You bought the rate, not the house. Learn what your options look like now.
Arizona values have held up better than the headlines suggest. This free review explains, in plain English, which refinance programmes you could be eligible for and what each one actually does — before you talk to anyone.
Free refinance review
Your refinance options in 5 questions
About two minutes. No credit pull, no documents, no obligation.
Question 1 of 5
What would you most want out of a refinance?
There is no wrong answer — it just tells us which programmes to look at first.
- Free review, no credit pull
- Licensed mortgage professionals, NMLS #2586220 and #2585619
- Education first — this is not a loan application
How the review works
- 1
You answer five questions
Takes about two minutes, no credit pull, no documents.
- 2
A licensed professional reads your loan
Not a script, not an auto-generated quote. A person who does this for a living looks at what you actually have.
- 3
You get it explained in plain English
Which programmes apply to a loan like yours, what each one does, and what it would cost you to use it. Then you decide whether to take it further.
What the review covers
Lower your payment
Whether a rate and term refinance makes sense for a loan like yours.
Cash out equity
Turning equity into funds, and exactly what it costs you to do it.
Pay it off sooner
Shorter terms, and the trade-off nobody explains.
Drop mortgage insurance
When it can come off without refinancing at all.
Calling a lender first
- A rate quoted before anyone has read your loan
- One programme offered — the one they sell
- Costs explained after you have committed
- A credit pull to find out you were never a fit
- You do the translating between what they said and what it means
Getting a review first
- Your current loan read before anything is proposed
- Every programme you could use, laid out side by side
- Costs and trade-offs explained before any decision
- No credit pull at this stage
- Plain English, then you decide whether to take it further
A review is not an application, and nothing here is an offer of credit.
In plain English
Rate and term
Replacing your loan with a different rate or a different length, without taking money out.
Cash-out
A new, larger loan that pays off the old one and returns the difference to you as funds.
Streamline
A simplified refinance some government-backed loans allow, with less paperwork.
Mortgage insurance removal
Ending the monthly insurance premium added to some loans, which does not always need a refinance at all.
Who is behind this
Refinance Academy is an educational resource run by licensed mortgage loan originators Davis Erhart, NMLS #2586220, and Craig Malmut, NMLS #2585619. You can verify both at NMLS Consumer Access. We are not a lender, and we are not affiliated with any government agency.
What we will not do
- We do not pull your credit to give you a review
- We do not sell your information to other companies
- We do not quote you a rate before someone has read your loan