first mortgage refinance
Make yourself at home with SunWest Credit Union where we understand that a house isn't just where you live, it's a reflection of how you live.
features you can appreciate
competitive rates
low closing costs
no pre-pay penalty
easy online apply
home sweet home
Make yourself at home with SunWest Credit Union where we understand that a house isn't just where you live, it's a reflection of how you live.
Unlock your Arizona First Mortgage Refinance with SunWest, and open the door to competitive mortgage rates, low fees, and a convenient closing process, and use the savings on creating your perfect home.
see how much you could save by refinancing
arizona mortgage rates
There’s nothing better after a long day than settling into a space that’s all yours. A space to tackle fun DIY projects, stream your favorite shows, and create memories to last a lifetime.
Sure, a house is a big investment, but the feel of home is worth every penny. Check Arizona mortgage rates and calculate your monthly payment.
first mortgage refinance2
10-year term
APR* as low
as 5.75%
as 5.75%
Payment of
$11.35 per $1,000
$11.35 per $1,000
15-year term
APR* as low
as 6.25%
as 6.25%
Payment of
$8.85 per $1,000
$8.85 per $1,000
30-year term
APR* as low
as 6.875%
as 6.875%
Payment of
$6.65 per $1,000
$6.65 per $1,000
apply for a mortgage refinance
We’ve made it quick and easy to refinance your first mortgage to ensure a seamless process so you can spend less time on paperwork and more time enjoying the serenity of your home.
apply online
- While submitting your application online, indicate payment method from “Savings” under Step 1
- Your loan will be reviewed, and in most cases, a SunWest representative will contact you within an hour.
- We partner with Arizona mortgage lender "Security Title" for all funding, offering a safe and secure process for your loan closing with a mobile notary.
apply over the phone
- Call us at 602.866.1129 or 1.800.533.4133 with the following information handy: Current loan balance + lender name, current interest rate, type of property, income.
- Your loan will be reviewed, and your SunWest mortgage loan officer will let you know if they are able to make a loan decision while you’re on the phone or provide a timeframe for follow-up.
A home is more than a place to rest your head. It represents the possibilities that come with a space of your own in this world. At SunWest Credit Union, we take the hassle out of home ownership so you can maximize those possibilities. With our help, you'll soon be thinking: Home has never felt better.
Looking to borrow from the equity on your home? Check out our Second Mortgage + HELOC to determine the best option for you.
First Mortgage Refinance FAQ
Does SunWest lend on manufactured homes?
No. We currently lend on Single-Family, Condos, and Townhouses.
Can I refinance my vacation or rental home with SunWest?
SunWest does not lend on homes that are not designated as your primary residence (the home you live in).
Who pays escrow and property taxes?
The borrower is responsible for paying any applicable escrow and property tax fees.
Can I refinance my VA or FHA loan?
Yes. You can refinance your current VA or FHA loan to a Conventional Mortgage at SunWest, and doing so could save you additional money. While FHA loans require you to carry PMI (Private Mortgage Insurance), this is not required on Conventional Mortgages that have at least 20% equity.
What is the minimum score requirement to refinance my mortgage?
There is no minimum credit score requirement to refinance a mortgage.
How does SunWest determine my home’s value?
All First Mortgage Refinances will require an appraisal. This fee is added to the closing costs of the loan and is a minimum of $375.
How long does it take to refinance?
Typically, between 4-6 weeks.
*APR = Annual Percentage Rate. See a representative for details.
1. SunWest does not escrow, so you'll be responsible for property taxes.
2. Rates listed subject to change and based on the lowest current offer. Rates are determined by factors such as, but not limited to, loan term, credit score, and home value. Minimum and maximum loan balances may vary by term. All calculations listed in the chart above are estimates to illustrate loan and rate cost and should not be used as a formal quote. Please speak with a representative to quote your specific rate and payment.
