Contact
Locations
Rates
Blog
Save with mortgage refinancing
You could lower your monthly payments with great home refinance rates in Arizona.
Apply nowCompare rates: mortgage refinance
15-year fixed as low as¹
6.505
%APR
30-year fixed as low as¹
7.136
%APR
5/6 ARM as low as¹
7.394
%APR
Jumbo 30-year fixed as low as¹
6.868
%APR
Your refi, your way
Local loan servicing
Enjoy in-house underwriting and processing, quick closing timelines and attentive service for the life of your loan.²
Multiple property types
Refinance your primary residence, vacation home or investment property.
Flexible financing
Get great rates as well as a wide range of loan options.
How to apply for your mortgage refi
Start your application online, at a branch or by calling (602) 433-4663.
Choose your loan type.
Provide the requested documents.
Finalize your application!
What borrowers are saying
"Cory and Kristie were so helpful and made the whole process so smooth and educational, and exceeded my expectations! Thank you both so much!"
Susan G.
"Had a fantastic experience from start to finish. I underestimated the complexity of a refinance and was helped and informed along the way with any question I had. Couldn’t have asked for better service."
William M.
FAQs about mortgage refinancing
What is the maximum equity I can access in my home?
In most cases, the maximum loan-to-value for a cash-out mortgage refinance is 80%. This means that, based on a home’s appraisal, the new loan cannot exceed 80% of the appraised value.
How quickly can I close on a mortgage refinance?
Typically, a mortgage refinance transaction can be closed in 30 days or less. It’s important to keep in mind that the time it takes to close depends heavily on the complexity of the loan file and your help in supplying the documentation needed to move things along.
When should I refinance my home?
It depends on your situation, but a good rule of thumb for a no cash-out mortgage refinance is when you can lower your interest rate by one to two percentage points. On the other hand, if you need to access your equity with a cash-out mortgage refinance, lowering your interest rate may not be your top priority. Because this is a circumstantial question, it’s a good idea to consult with a mortgage professional.
Can you help me find insurance for my home?
Yes, we’re here to help! Get a custom online quote on the spot by clicking here.3
Related content
Blog
Home equity loan, HELOC or refi?
Blog
Five smart ways to use a HELOC
Disclosures
1
Annual Percentage Rate (APR) shown effective {current-date} and is subject to change without notice. Visit our rates page for additional rate information and details.
3
Insurance products and services are offered through Desert Financial Wealth Services, LLC dba Desert Financial Insurance Services. Desert Financial Wealth Services, LLC is a subsidiary of Desert Financial Credit Union. Insurance products and services are not insured by the NCUA, are not obligations of or guaranteed by the credit union or its affiliates and may be subject to risk.