Tucson, AZ · Houston, TX · NMLS# 667008

Refinance Loans in Tucson and Houston

A refinance replaces your current mortgage with a new one. People refinance to change their payment, shorten their term, remove mortgage insurance, or use home equity. I will only recommend it when the numbers make sense for you.

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Questions first? Call (520) 495-8989

Applying online is not a commitment to lend or a guarantee of approval. Terms subject to credit approval and underwriting.

Who it fits

Who Refinance Is a Good Fit For

Homeowners who want to change their monthly payment or loan term.
Homeowners who want cash out for repairs, debt payoff, or other goals.
FHA borrowers looking to remove mortgage insurance by moving to conventional.
Veterans who may benefit from a VA refinance option.

The basics

Basic Requirements

These are general guidelines. Exact requirements depend on the program, the property, and your full financial picture.

Enough equity in your home for the program you choose.
Credit and income that meet program guidelines.
An appraisal in most cases, though some streamline options may not need one.
A clear benefit, such as a lower payment, shorter term, or cash for a goal.

How I help

How I Help and Why Tough Files Are My Specialty

Plain-English Guidance

I explain your options in simple terms. You will know what you qualify for and why.

Tough Files Welcome

Self-employed income. Past credit issues. Unusual properties. Files other lenders turned down. I look for how to make it work, and I tell you straight if it cannot.

Updates at Every Step

With over 20 years in lending, I keep you, your agent, and title updated from application to closing.

Client reviews

What Clients Say

Rated 4.98 out of 5 from 128 reviews on Experience.com.

“our loan process was so fast, Andy had great communication with us and let us know about every step we were going through and helped with everything”

Jose O. · May 25, 2026 · via Experience

“Andy was amazing from start to finish. very communicative and always willing to answer questions. He made this entire process smooth and stress free.”

Tamara L. · June 25, 2026 · via Experience

“Andy and his team kept me fully informed through the loan process. When I had questions or concerns they were prompt to provide answers an additional information making the loan process much more simple. I highly recommend Andy and his team and Neighborhood Loans.”

Patricia T. · August 7, 2026 · via Experience

See all reviews on Experience.com

FAQ

Refinance FAQs

When does refinancing make sense?

It makes sense when the savings or benefit outweigh the costs. I will walk you through a side by side comparison so you can decide.

Can I take cash out of my home?

Often, yes, if you have enough equity and meet the guidelines. We will look at how much you could access.

Can I refinance an FHA or VA loan?

Yes. There are streamline options for FHA and VA loans, plus conventional options. Each has its own rules.

Do you refinance homes in Houston and Tucson?

Yes. I help homeowners refinance in the Tucson metro and the Houston area.

Let’s Talk About Your Refinance Options

Call or text (520) 495-8989, or start your application online.

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Andy Braun, Senior Loan Officer | Sales Manager, Neighborhood Loans. NMLS 667008. AZ LO-1006099.