Rate-and-term
Adjust the interest rate, repayment term, or both without treating home equity as cash proceeds.
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Justin VanNostrandNMLS #2774762 · Arizona
Arizona mortgage review
Make sure the refinance earns its closing costs.
Compare the estimated payment change, cost recovery period, term, and your reason for refinancing before moving forward.
Justin VanNostrandNMLS #2774762 · ArizonaUnderstand the basics
What to know before the numbers.
Cash-out
Use eligible equity for another purpose while replacing the existing mortgage with a new loan.
Break-even matters
Monthly savings should be considered alongside costs, time in the home, loan balance, and total interest.
Interactive estimate
Refinance savings calculator
Compare estimated principal-and-interest payments and see how long monthly savings may take to recover closing costs.
Not a loan quote
Estimated monthly P&I change$322 lower
Current P&I: $2,785
New P&I: $2,463
Simple cost recovery: 25 months
Prepare the conversation
Answer four quick questions.
Your answers stay on your device until you choose to text or email them directly to Justin. Do not enter Social Security numbers, account numbers, or upload documents here.
Ready now? Open the secure application →Common questions
Good questions deserve direct answers.
Does a lower rate automatically mean a good refinance?+
No. Closing costs, remaining term, new term, loan balance, and how long you keep the loan all affect the result.
Can closing costs be added to the loan?+
Sometimes, subject to program, equity, appraisal, and loan limits. Financing costs increases the new balance.
Can I refinance shortly after buying?+
Timing rules depend on the existing loan, new program, cash-out status, and lender requirements.
Choose your next step
Talk first—or go straight to the application.
No matter where you start, your information and questions come directly to Justin.