A rate-and-term refinance replaces the mortgage you already have with a new mortgage - a new rate and a new term that fit your plans. You stay in your home, and you change the loan to fit what you need now. Jon Berry has been in mortgages since 1992, and he has run his own company since 2004. He will explain your options in plain language and help you decide whether refinancing fits your plans. Request your personalized rates and fees.

What it is
Rate-and-term refinancing is refinancing your current mortgage to change its rate and term. It is different from cash-out refinancing, which lets you use your home equity for major expenses or for more property. Jon can explain both and help you compare them.

Who it fits
Rate-and-term refinance can fit homeowners who already have a mortgage and want a new rate and term that fit their plans now. It can fit people who have owned their home for a while, and people whose plans have changed since they first bought their home. Talk with Jon about your mortgage and your plans before deciding.

How it works
1. Get a quote or call Jon Berry at 602-431-8610 to talk about your current mortgage and your plans.
2. Share details about your home and your current mortgage.
3. Jon reviews your request and explains the next steps for your application.
4. Apply now through the secure application link, or get a quote first if you would like to talk through your options.
Subject to credit approval and property qualification. Available in Arizona.

What Jon will ask for
Jon will ask for details about your home, your current mortgage, and your plans, so he can review your request and explain the next steps. He will tell you if anything else is needed for your application.

Frequently asked questions
Q: What is rate-and-term refinancing?
A: It is replacing the mortgage you already have with a new mortgage, with a new rate and a new term that fit your plans.
Q: Is it the same as cash-out refinancing?
A: No. Cash-out refinancing lets you use your home equity for major expenses or for more property. Rate-and-term refinancing changes the rate and term of your current mortgage. Jon can explain both.
Q: Can I refinance if I am self-employed?
A: Yes. Bank-statement loans for self-employed borrowers can use bank statements, 1099s, or a borrower-prepared profit and loss statement to show income. Talk with Jon about what he will ask for.
Q: How do I start?
A: Get a quote at https://wealthwisehomeloans.com/intake-form, apply now at https://wealthwise.my1003app.com/180504/register, or call Jon Berry at 602-431-8610.

Get a quote: https://wealthwisehomeloans.com/intake-form
Apply now: https://wealthwise.my1003app.com/180504/register
Call Jon Berry: 602-431-8610
WealthWise Home Loans, Danber Lending, LLC. Jon Berry, in mortgages since 1992, own company since 2004. Company NMLS 180353, Jonathan Berry NMLS 180504, Arizona Broker License AZ MB-0906064. Arizona only.