Could refinancing lower your payment?
A licensed mortgage professional in your state can look at your current loan and tell you, plainly, whether refinancing makes sense right now.
- Compare a lower rate, a shorter term, or cash-out options
- Understand closing costs and your break-even point
- No credit check to request a review
Available nationwide through state-licensed partners.
Rates, terms, and approval are set by the lender and depend on your credit, income, and property. This is not an offer to lend.
Get your free review
Simple, personal, and on your terms
Tell us what you need
Answer a few quick questions. No credit check and no Social Security number.
We follow up personally
We reach out by phone, text, or email, whichever you chose, to understand your goals.
Meet a licensed pro, if you want
If a licensed partner in your state is a good fit, we introduce them by name. You’re never obligated to do anything.
You decide who contacts you
We never pass your details to a partner until we tell you who they are and you say yes. Prefer email only? Leave the phone box unchecked.
Licensed professionals only
Partners hold the license your situation requires, such as an NMLS ID for mortgage lenders or a state insurance license for agents. We give you the number so you can check it yourself.
Your information stays private
Sent over an encrypted connection and stored privately. We don’t sell it, we don’t run ad trackers, and you can have it deleted any time.
Good questions to ask
When does refinancing usually make sense?
Often when you can lower your rate enough to recover closing costs within a few years, shorten your term, drop mortgage insurance, or consolidate higher-interest debt. A licensed loan officer can run your actual numbers.
Is this really free?
Yes. You never pay us anything. Some partners pay us a referral fee when we introduce a customer, which is how we keep the service free. That fee never changes the price or terms a partner offers you.
Will submitting affect my credit?
No. We don’t check credit. If you later choose to apply with a lender, the lender will ask your permission before any credit check.
Will you sell my information or spam me?
No. We don’t sell personal information, and we never share it with a partner until we tell you the partner’s name and you agree. You can stop contact any time by replying STOP to a text or emailing privacy@homeandlifeoptions.com.
Who are you?
Home and Life Options LLC is an Arizona company at 200 W Monroe Street, Phoenix, AZ 85003. We’re a referral service, not a lender, insurer, or brokerage, so we don’t quote rates or make approval decisions. Licensed partners do.
What happens after I submit?
We review your request and reach out, usually within one business day. If a licensed partner in your state fits what you’re looking for, we’ll tell you who they are and only connect you if you say yes.