Loan Program
Refinance Loans in Yuma, AZ
Lower your rate, change your term, or tap your equity
Rate-and-term and cash-out refinance options for Yuma homeowners, matched through our network of independent lending partners based on current Arizona rate conditions and your home's equity position.
Compared across our network before you commit to one lender
What's Covered
Refinance options for every kind of Yuma homeowner
Rate-and-term refinance to lower your monthly payment or shorten your loan term
Cash-out refinance options to access home equity for repairs, land improvements, or debt consolidation
Refinance support for manufactured and modular homes, not just site-built properties
No-obligation comparison across multiple lending partners before you commit
How It Works
Rate-and-term vs. cash-out: which refinance fits?
Both refinance types replace your existing mortgage with a new one, but they solve different problems.
Rate-and-term refinance
Replaces your current loan with a new one at a different rate, term, or both — no cash is pulled out. Homeowners typically choose this route to lower a monthly payment, shorten the payoff timeline, or move off an adjustable-rate structure onto a fixed one.
Cash-out refinance
Replaces your current loan with a larger one, and you receive the difference in cash — often used for home repairs, land or property improvements, or consolidating higher-interest debt. Lenders cap how much equity can be converted to cash based on the home's appraised value and their loan-to-value limits.
Where manufactured and modular home refinancing differs
Refinancing a manufactured or modular home in the Yuma area often involves an extra question up front: is the home titled as real property (permanently affixed to owned land) or as personal property/chattel (common in leased-lot manufactured-home communities)? That distinction affects which lenders can even consider the loan, since chattel refinances are underwritten differently than a traditional mortgage refinance on a site-built home.
Age, HUD-code compliance, and foundation type can also come into play for manufactured and modular homes in ways they typically don't for a site-built refinance. A lending partner familiar with manufactured and modular properties can confirm which refinance structure your specific home and title status actually qualify for.
Who It's For
Built for existing Yuma homeowners
- Yuma homeowners who purchased when rates were higher and want to explore a lower payment
- Owners looking to convert home equity into cash for improvements or other needs
- Manufactured and modular homeowners whose current loan terms no longer fit their situation
At a glance
Available for site-built, manufactured, and modular homes across Yuma and Yuma County.
No-obligation comparison across multiple lending partners before you decide to move forward.
[Rates, closing costs, and cash-out limits vary by lender — contact us for current ranges].
Curious what refinancing could do for you?
Tell us about your current loan — no obligation, no cost.
Questions
Refinance FAQ
Is refinancing worth it right now?
It depends on your current rate, how long you plan to stay in the home, and closing costs — a lending partner can run the actual numbers against today's Arizona rates so you can compare before deciding.
Can I refinance a manufactured or modular home in Yuma?
In many cases yes, depending on how the home is titled (real property vs. personal property/chattel) and the lender's guidelines. See our Manufactured & Modular Home Financing page for details specific to these properties.
How much cash can I take out in a cash-out refinance?
That depends on your home's appraised value, your existing loan balance, and the lending partner's loan-to-value limits — typically lenders cap cash-out refinances well below 100% of your home's equity.
Related Programs
Other financing paths to consider
Start your Yuma refinance
Tell us about your current loan and goals and we'll connect you with an independent lending partner to compare options.
Not a lender. Contractors Choice Agency connects Yuma-area borrowers with independent licensed lending partners. Equal Housing Opportunity. Terms and rates set solely by participating lenders.