REFINANCE YOUR MORTGAGE
Refinance and Make Your Mortgage Work Harder
Whether you're lowering your rate, shortening your term, or tapping into your equity, Jim Apessos finds the refinance program that actually saves you money.
Refinance Options That Actually Fit Your Goals
Refinancing is about more than chasing a lower rate. The right move depends on what you're trying to do, whether that's cutting your monthly payment, paying the house off sooner, dropping mortgage insurance, or pulling equity out for what's next. Sometimes it also means leaving your first mortgage alone and using a home equity loan or HELOC instead, which is often the better answer if you locked in a low rate years ago. As a Mortgage Broker with Barrett Financial Group, I compare 200+ lenders and loan programs to find the option that actually makes sense for your situation, not a one size fits all pitch.
What You Get With Jim
Rate & Term Analysis
I run the real numbers so you know exactly what a refinance will save — or cost — before you commit.
Hundreds of Lenders
Access to hundreds of lenders and loan programs means real options, not one bank's single offer.
Equity & Cash-Out Options
Whether it's debt consolidation, home improvements, or investing, I'll help you tap your equity the right way.
Full-Service Support
From application through closing, one point of contact handling every detail.
A Simple, Straightforward Way to Refinance
Connect
Tell me what you're hoping a refinance will do for you. Lower payment, shorter term, or cash out. No application, no pressure.
Run the Numbers
I compare programs across 200+ lenders and show you the real savings and the break-even point. If it doesn't pencil, I'll say so.
Lock & Process
We lock your rate and I move your file through underwriting, staying ahead of the lender so nothing stalls.
Close & Save
Sign your final docs and start seeing the difference. Most of my loans are cleared to close within about two weeks.
AREAS I SERVE
Where I Help Homeowners Refinance
I work with homeowners refinancing all over the Phoenix West Valley, including North Glendale, Peoria, Surprise, Sun City, Litchfield Park, and Goodyear, and throughout Southern California from Orange County and San Diego County out to the Inland Empire. I'm also licensed in Colorado, Florida, New Jersey, Oregon, Pennsylvania, and Washington. Wherever your home is, I'll help you find the loan program that actually fits your goals.
FAQs
Frequently Asked Refinance Questions
Does refinancing make sense for me right now?
It depends on your current rate, how long you plan to stay in the home, and your goals. I'll run the real numbers with you — no guesswork — so you know if it actually pencils out.
How much does it cost to refinance?
Closing costs vary by loan type and lender, but I'll lay out exactly what you'll pay and what you'll save up front — no surprises at closing.
Can I use a refinance to pay off debt or fund a project?
Yes — a cash-out refinance lets you tap your home's equity for debt consolidation, home improvements, or other goals. I'll help you weigh whether that's the right move for your situation.
POWERED BY
Licensed in AZ, CA, OR, WA, CO, PA, NJ & FL
Visit Barrett Financial Group’s Website
James Apessos | NMLS #229056 | Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | AZ 0904774 | CA 60DBO-46052 & 41DBO-148702 Licensed by Dept. of Financial Protection & Innovation under the California Residential Mortgage Lending Act. Loans made or arranged pursuant to a California Financing Law License | CO | FL MLD1880 | NJ | OR | PA 92105 | WA MB-181106 | Equal Housing Opportunity | Equal Housing Lender | This is not a commitment to lend. All loans are subject to credit approval. | nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106
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