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New Loans and Accounts: 602-433-5626
Service: 602-433-7000
Routing # 122187238

Start a new chapter
with our HOME solutions

Refinance your mortgage and you could save on your monthly payments

If it’s been several years since you bought your home or refinanced your mortgage, there's a good chance that the interest rate of your home loan is higher than current rates. Our mortgage loan officers would be happy to evaluate your current mortgage situation and give you options to refinance that could result in significant savings for you!

APPLY NOW

You’ll enjoy these benefits:

FHA and conventional financing
Owner occupied and investment properties
Local servicing
In-house underwriting and processing

Apply now, visit a branch or call 602-433-4663.

Mortgage Refinance Rates

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Any
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Afternoon
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Weekend

Mortgage Type: Purchase Refinance

I'm a Desert Financial Member

DETAILS

MORTGAGE REFI

RATES

APR

POINTS

15 Year Fixed Rate

5.875%

6.113%

1.000%

Refinance Rate Assumptions and APR Information

Today's refinance rates are based on a no cash out refinance of a single-family, primary residence, a credit score of 740

CONFORMING LOAN

15 Year Fixed Rate

Interest Rate

APR

Estimated Value

Equity

Loan Amount

Term

Monthly Payment

5.875%

6.113%

$450,000

28%

$337,500

15 years

$2,712.26

Rates valid on March 29, 2023. Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR. Additional loan programs are available.

30 Year Fixed Rate

6.375%

6.595%

1.125%

Refinance Rate Assumptions and APR Information

Today's refinance rates are based on a no cash out refinance of a single-family, primary residence, a credit score of 740

CONFORMING LOAN

30 Year Fixed Rate

Interest Rate

APR

Estimated Value

Equity

Loan Amount

Term

Monthly Payment

6.375%

6.595%

$450,000

28%

$337,500

30 years

$2,021.34

5/6 ARM

5.625%

6.999%

1.125%

Refinance Rate Assumptions and APR Information

Today's refinance rates are based on a no cash out refinance of a single-family, primary residence, a credit score of 740

CONFORMING LOAN

5/6 ARM

Interest Rate

APR

Estimated Value

Equity

Loan Amount

Term

Monthly Payment

5.625%

6.999%

$450,000

28%

$337,500

5 year ARM

$1,865.13

Rates valid on March 29, 2023. The interest rate will be based on the 30-Day Average of the SOFR index as published by the Federal Reserve Bank of New York.

Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR. Additional loan programs are available.

7/6 ARM

5.75%

6.848%

1.250%

Refinance Rate Assumptions and APR Information

Today's refinance rates are based on a no cash out refinance of a single-family, primary residence, a credit score of 740

CONFORMING LOAN

7/6 ARM

Interest Rate

APR

Estimated Value

Equity

Loan Amount

Term

Monthly Payment

5.75%

6.848%

$450,000

28%

$337,500

7 year ARM

$1,890.78

FHA 30 Year Fixed

5.875%

6.042%

1.000%

Refinance Rate Assumptions and APR Information

Today's refinance rates are based on a no cash out refinance of a single-family, primary residence, a credit score of 660

CONFORMING LOAN

FHA 30 Year Fixed

Interest Rate

APR

Estimated Value

Equity

Loan Amount

Term

Monthly Payment

5.875%

6.042%

$326,000

3.5%

$314,590

FHA 30 Year Fixed

$1,860.92

Jumbo 15 Year Fixed Rate

5.75%

5.979%

1.250%

Refinance Rate Assumptions and APR Information

Today's refinance rates are based on a no cash out refinance of a single-family, primary residence, a credit score of 740

NON-CONFORMING LOAN

Jumbo 15 Year Fixed Rate

Interest Rate

APR

Estimated Value

Equity

Loan Amount

Term

Monthly Payment

5.75%

5.979%

$1,100,000

28%

$795,000

15 years

$6,576.85

Jumbo 30 Year Fixed Rate

6.125%

6.252%

1.125%

Refinance Rate Assumptions and APR Information

Today's refinance rates are based on a no cash out refinance of a single-family, primary residence, a credit score of 740

NON-CONFORMING LOAN

Jumbo 30 Year Fixed Rate

Interest Rate

APR

Estimated Value

Equity

Loan Amount

Term

Monthly Payment

6.125%

6.252%

$1,100,000

28%

$795,000

30 years

$4,812.28

Jumbo 5/6 ARM

5.625%

6.898%

1.000%

Refinance Rate Assumptions and APR Information

Today's refinance rates are based on a no cash out refinance of a single-family, primary residence, a credit score of 740

NON-CONFORMING LOAN

Jumbo 5/6 ARM

Interest Rate

APR

Estimated Value

Equity

Loan Amount

Term

Monthly Payment

5.625%

6.898%

$1,100,000

28%

$795,000

5 year ARM

$4,559.20

Jumbo 7/6 ARM

5.75%

6.747%

1.125%

Refinance Rate Assumptions and APR Information

Today's refinance rates are based on a no cash out refinance of a single-family, primary residence, a credit score of 740

NON-CONFORMING LOAN

Jumbo 7/6 ARM

Interest Rate

APR

Estimated Value

Equity

Loan Amount

Term

Monthly Payment

5.75%

6.747%

$1,100,000

28%

$795,000

7 year ARM

$4,621.90

Open menu for important rate and payment information.

Rates valid on March 29, 2023. Chart data is for illustrative purposes only, is based upon state loan assumptions and is subject to change without notice. Accuracy is not guaranteed and products may not be available for your situation. This is not a credit decision or a commitment to lend. Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% equity, mortgage insurance may be needed which could increase the monthly payment and APR. Additional loan programs are available.