There are lots of reasons to consider refinancing your home:  To lower your monthly payments, pay off your mortgage faster, take cash out, or combine your first and second mortgages are among some of the reasons.

We offer a no-pressure, no-hassle, no upfront fee mortgage loan consultation to help you decide which loan product and programs best suits your needs. 

Ready to refinance your current mortgage NOW?  Apply online, using our e-tools, or just give us a call for a no-obligation mortgage discussion with one of our mortgage specialists.

If you want to self-explore your options, look at our "no information collected" Refinance Analysis or our Daily Rates pages.   Keep in mind, however, that rates and programs are generic and that loan decisions are based upon, among other criteria, credit scores and loan amounts relative to the value of the subject property.

Some reasons to consider refinance are to:

• Lower your current mortgage rate and reduce interest costs over the term of the loan
• Lower your monthly mortgage payments
• Convert an adjustable rate mortgage (ARM) to a secure fixed rate

•  Make a balloon payment on a first or second mortgage
• Consolidate your first and second mortgage into one mortgage for an effective lower rate
• Consolidate consumer debt and other bills
• Remodel your home
• Finance tuition or even a wedding
• Buy a second home, or make a down payment on a second home
• Buy a new car, boat or RV
• Take a major vacation or plan a "once-in-a-lifetime" family event
• Create an emergency fund.

We, at Anasazi Mortgage, want to assist you in making the best choices and decisions as you consider your refinance.  Sometimes, it really is better to refinance your first mortgage.  But many times, after numerical analysis of your situation, you may have better financial results by doing a new second morgage or refinancing only your current second mortgage. 

We can also help you analyze your options, should you wish to pay down a signficant amount of money on your mortgage, or if you are trying to reduce your payment period on your first or second mortgage.  Refinancing is not always the best option.

The advantages we offer you for your refinancing needs include:

• Low rates 
• Easy online  or over-the-phone application  process
• Lots of mortgage program options
• Guidance and advice from an knowledgeable and caring loan professional.