Refinance in Phoenix AZLower Your Rate or Your Payment
Want to lower your monthly payment or get out of a high rate? Refinancing replaces your current loan with a better one. I shop dozens of lenders to find the deal that saves you the most, whether that's a lower rate, a shorter term, or one simpler payment. You get clear math up front so you know it's worth it before you start.
- 10+ Years Experience
- License NMLS# 1455718
- $500M+ in Loan Volume Closed
- Backed by the Nation's #1 Mortgage Brokerage
How We Help
You need a refinance when your current loan no longer fits your life. Maybe rates have dropped and you want a lower one. Maybe you want to switch from an adjustable rate to a fixed one for peace of mind. Maybe you want to pay your home off faster with a shorter term, or stretch your payment out to free up cash each month. Veterans can use a streamlined VA refinance, and FHA borrowers have their own easy option. Some people refinance to roll high-interest debt into one lower payment. I help with all of it. The goal is simple: put more money back in your pocket and make your loan work better for you.
How It Works
We start with a quick call about your current loan and what you want to change. I'll look at your rate, your balance, and your goals, then run the numbers to see if a refinance makes sense. I shop dozens of lenders and bring back the best offers in plain English. I'll show you exactly how much you'd save each month and how long it takes to break even on any costs. If it's worth it, we move forward. My AI tools handle most of the paperwork, and most refinances close in a few weeks. If the math doesn't help you, I'll tell you that too.
What It Costs in Phoenix
A refinance has closing costs, much like your first loan did. Those can include lender fees, title, and an appraisal. The key is whether the monthly savings make those costs worth it, and I show you that math up front. Sometimes the savings pay back the costs in a couple of years or less. In some cases, we can roll the costs into the loan so you pay little out of pocket. I shop dozens of lenders to keep your rate and fees low. Every number goes to you in writing before you commit. No surprises.
Why Work With Mark
I've helped hundreds of Phoenix homeowners refinance into better loans over the past ten-plus years. Fifty-plus five-star reviews from people who saved real money. I shop dozens of lenders so you get the lowest rate, not just one bank's offer. I'll always run the honest math and tell you if a refinance isn't worth it. Same-day response on every call and text. My goal is to save you money, not just close a loan.
Ready to Get Started?
Curious how much you could save? Call or text Mark at (480) 690-9790 for a free refinance review today. Same business day, every time.
Want to compare options? Browse all of our specialty loan programs for Phoenix homeowners.
Reviewed by
Mark Fazio — Licensed Mortgage Loan Officer
NMLS #1455718 · Barrett Financial Group (NMLS #181106) · Phoenix, AZ
Mark Fazio is a licensed Phoenix mortgage broker with 10+ years of experience and over 1,000 home loans closed. He shops dozens of lenders to find the lowest rate on purchase, refinance, and specialty loans, and personally guides every client from the first call through closing.