First Mortgage Refinancing for Arizona homeowners
Features You’ll Love
Lower your rate, adjust your terms, and simplify your loan all with member access to competitive pricing and an easy, guided closing process.
Low, competitive rates
Minimal closing costs
No pre-payment penalties
Easy online application process
Pay more when you want + save on interest
Flexible terms, with 10, 15, 20, or 30-year options
Free estimate before your credit is pulled (call 602.866.1129)
SunWest focuses on owner-occupied homes in Arizona, including free-and-clear properties, within these loan and property types:
Check current mortgage rates and run the numbers to see how much you can save by refinancing your home.
We’ve streamlined the process so you can move quickly and stay informed without the paperwork headache.
Does SunWest lend on manufactured homes?
No. We currently lend on single-family homes, condos, and townhomes.
Can I refinance a vacation or rental home with SunWest?
No. We only refinance primary residences i.e. the home you live in.
Who pays escrow and property taxes?
You (the borrower) are responsible for paying any applicable escrow and property taxes.
Can I refinance my VA or FHA loan?
Yes. You can refinance a VA or FHA loan into a conventional mortgage with SunWest, which may lower your overall costs. FHA loans require private mortgage insurance (PMI), though this is not required on Conventional Mortgages that have at least 20% equity.
What credit score do I need to refinance?
There’s no set minimum credit score. Eligibility depends on your full financial picture.
How does SunWest determine my home’s value?
An appraisal is required for all First Mortgage Refinances. This cost is included in your closing costs and typically starts at $375.
How long does refinancing take?
Most refinances are completed in about 4–6 weeks.
*APR = Annual Percentage Rate. On approved credit. Certain terms, restrictions and conditions apply. Refinanced loan interest rate cannot be lower than 4.99% APR when refinancing up to 2.00% APR below your existing rate. The first payment may be deferred for up to 90 days. Your loan will accrue interest during that time. Proof of current loan rate may be required prior to closing in order to receive the refinanced rate. Offer is for vehicle refinance applications processed before July 6, 2026. This offer does not apply to vehicles currently financed through SunWest Federal Credit Union. Rates are subject to change without notice. $50 donation per funded loan will be made to Valley of the Sun United Way. SunWest reserves the right to modify or discontinue a portion or all of this promotion at any time.
See a representative for complete details, qualifications, and disclosures.
