Mortgage guidance · Seth Lester
Does refinancing fit your goal?
Review your current loan, the proposed costs and your plans for the home with Seth Lester before deciding whether to refinance.
Prefer to talk first? Call or text 480-335-9828.
Seth Lester · Branch Manager & Loan Officer · NMLS #390622
Start with the reason.
Are you trying to change your monthly payment, shorten your payoff timeline, or change the structure of your mortgage? Those goals can lead to different choices. Bring your current mortgage statement and your expected time in the home.
Compare cost and time together.
Review the proposed loan amount, term, interest rate, closing costs and full monthly payment against the mortgage you already have. A lower payment can come from extending the term, which can increase the time you remain in debt and the interest paid.
Ask what happens to the closing costs.
Costs paid upfront, financed into a new balance or offset through lender credits affect the comparison differently. Ask for a clear explanation of the tradeoffs and compare official Loan Estimates when available.
Thinking about consolidating debt?
Turning unsecured debt into debt secured by your home adds risk to your property. Compare total cost, repayment time and alternatives before deciding. A lower monthly payment alone does not establish savings.
Explore the debt consolidation calculator · Understand loan disclosures
Let’s talk through your situation.
Tell me where the property is, your timeline and what you want the mortgage to accomplish. We can discuss the options and the information needed for a full review.
Prefer to talk first? Call or text 480-335-9828.
Program availability and eligibility vary by borrower, property and lender. This is not a commitment to lend. All loans are subject to credit approval. Terms and conditions apply.