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Lower Rates, Shorter Terms, Happier Homeowners

Loving your home but not your terms? Refinancing replaces your current mortgage with more favorable terms such as a lower interest rate or shorter loan life. Take advantage of your home’s increased value, lower your interest rate, or reduce the length of your loan with a mortgage refinance today!

Lower Your Monthly Payment

Refinance to a lower rate. If you have an older home loan or an adjustable-rate mortgage (ARM), you may be able to refinance to a lower interest rate.

Benefits

  • Lower your interest rate
  • Lower your monthly payment
  • Use the extra cash for other financial obligations

Refi Your Rate

Shorten Your Loan Term

Are you ready to pay off your home loan sooner than expected? Refinancing can shorten your loan term, so you pay off your loan faster.

Benefits

  • Lower the amount of interest you’ll pay over the long term
  • Reach financial independence faster
  • Build your home’s equity quicker

Lower Your Term

Cash In on Your Equity

Home values are on the rise in Arizona. A Cash-Out Refinance lets you take advantage of your home’s increased value, giving you a cash payout to take care of home renovations, debt consolidation, or more!

Benefits

  • Get cash for your home’s increased value
  • Use the cash to renovate your home to continue boosting its value
  • Reduce or eliminate your private mortgage insurance (PMI) obligation

Cash Out Today

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How much can you save with a refi?

Our Refinance Calculator can help you determine whether refinancing is right for you.

Discover Savings

0.25%

Receive a discount on your interest rate when you refinance with OneAZ1

Refinancing is as easy as 1, 2, 3

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Get in Touch

Start your application online, over the phone or in person. Our locally based team will get to know you and your goals to help you choose the best refinancing option for your needs.

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Lock in Your Rate

Once you speak with an expert you can complete an application and lock-in your new low rate.

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Closing

Once you're processed and approved we will set a closing date. We’ll ensure you understand all the documentation and have everything you need.

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Today’s Rates

Rates are rising. Check out our current home loan rates.

View Rates

We check all the boxes for your mortgage refinance.

  • Low Fees at Closing OneAZ has some of the lowest fees in Arizona
  • Local Expertise Our mortgage team knows the local market and will keep you informed on the progress of your loan application
  • Guaranteed On-time Closing Our loans close in 24 days or we’ll give you $2,5002
  • 24/7 Live Loan Application Support Apply for your loan by phone or online anytime, day or night, weekday or weekend

Meet the Team

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Apply to refinance your home loan today!

Call our Virtual Team

Call

Speak with an experienced mortgage loan officer 24/7.

855.505.4663

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Visit a Branch

Meet with a mortgage loan officer at your local OneAZ branch.

Find a Branch

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Apply Online

Apply for a home loan online today.

Apply Now

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Schedule

Schedule an appointment with a mortgage loan officer.

Schedule

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Contact Us

Our mortgage team is standing by to help you achieve your financial goals.

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Learn more about refinancing.

At OneAZ, we want you to have the tools and the knowledge to make confident, smart decisions about your finances.

Explore More Topics

Mortgage Refinancing Basics. Is Refinancing Right for Me?

What if you could use your home to keep more of your hard-earned cash each month? Refinancing your home loan could be the answer.

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Use Our Cash-Out Refinance Calculator and Unlock Your Home’s Potential

A cash-out refinance calculator can help you see what your monthly payment and overall cost would look like with a cash-out refinance.

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3 Reasons to Refinance Your Auto Loan

Lenders may pay off your current loan and create a brand new loan for you with possibly a lower interest and even better terms.

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All loans are subject to credit approval and program eligibility. Click here for the Nationwide Mortgage Licensing System Associate List. This is not a commitment to lend or extend credit.

OneAZ makes such loans without regard to race, color, religion, national origin, sex, handicap, familial status, or any other discriminatory factors. OneAZ is an Equal Housing Lender.

1 To qualify for .25% discount, you will need to agree to the following or have already established the following: Establish membership, Open a OneAZ checking account, Set up a monthly direct deposit of $1,000 or more and set up an auto pay for the new loan. The offer does not apply to FHA, VA or USDA mortgages.

2 24-Day Close Guarantee-Conditions apply. Terms and Conditions must be signed and acknowledged by both parties. For full details, refer to the Mortgage Closing Agreement.

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