Your refinance strategy should match your goals. Common reasons we see in Gilbert:
Lower your monthly payment by securing a more competitive rate or term
Shorten your term to build equity faster and reduce lifetime interest
Switch from ARM to fixed for stability and easier budgeting
Remove PMI once equity supports it
Cash-out refinance to fund remodels, consolidate high-interest debt, invest, or buy another property
We’ll model each option side-by-side so you can choose the best total cost, not just the lowest headline rate.
Neighborhoods like Power Ranch, Agritopia, Morrison Ranch, Seville, and Cooley Station have seen strong demand over the years. If you’ve owned for a while, you may have more equity than you think—which can unlock better terms, remove mortgage insurance, or fuel a strategic cash-out for renovations or investments.
Five minutes to understand your goals: payment target, timeline, plans for the home.
Income, assets, mortgage statement, insurance—organized with our simple checklist so underwriting is smooth.
We compare scenarios (rate/term vs. cash-out, MI removal paths, credits vs. points) and show the break-even so you know when the refi “pays off.”
We’ll determine whether an appraisal is needed, review comps in your Gilbert neighborhood, and prep the file to support value.
We time the lock strategy, coordinate title and payoff, and aim for a clean, on-time close—no drama.
If you’re considering cash-out, use funds for value-building moves:
Renovations (kitchen, baths, energy upgrades)
Debt consolidation to simplify and lower overall interest
Investment property down payment (with a clear cash-flow plan)
Emergency reserves for peace of mind
We’ll help you run the numbers so the benefit outweighs the cost—today and down the road.
If your equity supports it, we’ll explore paths to drop PMI through refinance or, in some cases, confirm whether your current servicer can remove it without a full refi. We’ll show which route gives you the best outcome.
A great refinance balances:
Rate (monthly savings)
Closing costs (can be paid, credited, or rolled in)
Term (how long you’ll keep the home/loan)
Total interest and break-even timing
We’ll map this out in plain English so the decision is obvious.
Do I need perfect credit to refinance?
No. Strong credit helps pricing, but we have options for a wide range of profiles. We’ll also share quick credit-tune suggestions when they help.
Can I refinance if I plan to move in a couple of years?
Maybe. We’ll calculate the break-even and recommend only if the savings beat your timeline.
Will I need an appraisal?
Sometimes. It depends on the loan type, equity, and automated findings. If needed, we’ll guide you on how to prepare for the best outcome.
Can I roll closing costs into the loan?
Often yes. We’ll compare paying costs, rolling them in, or using lender credits and show which path pencils out best.
What about self-employed income or bonus/commission?
We work with lenders who understand complex income. We’ll package your file to highlight stability and strength.
One application, many lenders (we shop for you)
Local insight into Gilbert neighborhoods and appraisal trends
Clear, fast communication—text updates, quick calls, no call-center runaround
Strategy beyond the rate—credits vs. points, MI planning, lock timing, and long-term cost
With Brick Mortgage, you’re not picking from one bank’s menu—you’re picking from the best of many.
Whether your goal is a lower payment, shorter term, PMI removal, or a smart cash-out, we’ll build a refinance plan that fits your life—and your numbers.
Call Jared at Brick Mortgage (Gilbert, AZ)
Refinance • Cash-Out • Conventional • FHA • VA • Investment Strategies