--- title: The Secret Refinance description: Karen Jones, Mortgage Loan Officer shares information about the refinance opportunities to assist you in maximizing your assets. --- [Skip to content](https://homeloansbykarenjones.com/the-refinance#main-content) - [Home](https://homeloansbykarenjones.com) - [Home Search](https://nest.me/?affiliate=karen.jones1) - Just for Agents - [Grow Your Business](https://strategy4successnow.com/) - [Menu of Services](https://karen-strategy4successnow.square.site/) - [Video Marketing](https://strategy4successnow.com/video-marketing) - [Website Services](https://strategy4successnow.com/websites) - Buyers - [Buyer Ready Program](https://homeloansbykarenjones.com/buyer-ready) - [1st-Time Homebuyers](https://homeloansbykarenjones.com/first-time-homebuyer) - [How Much Home Can You Buy?](https://myhome.freddiemac.com/resources/calculators/how-much-can-you-afford) - [Rent vs. Own](https://myhome.freddiemac.com/resources/calculators/rent-vs-buy) - [Home Values- Phoenix Metro](https://cromfordreport.com/rankings.html) - Refinances - [The Refinance Secret Strategy](https://homeloansbykarenjones.com/the-refinance) - [Equity Credit Line Coming Due?](https://homeloansbykarenjones.com/equity-loc-coming-due) - Check Out Schools - [Public School Search](https://nces.ed.gov/ccd/schoolsearch/) - Credit - [What's The Wait](https://homeloansbykarenjones.com/whats-the-wait) - Meet Karen - - Tools to Help! - [Pre-Payment Calculator](https://www.calculator.net/mortgage-payoff-calculator.html) - [Moving Checklist](https://homeloansbykarenjones.com/moving-checklist) - [Home Inspections](https://homeloansbykarenjones.com/home-inspections) - [Real Estate Glossary](https://homeloansbykarenjones.com/glossary) - Divorce Real Estate - [Get Educated on Divorce & Real Estate](https://homeloansbykarenjones.com/divorce-real-estate) - Reviews - [Zillow Reviews](https://www.zillow.com/lender-profile/homeloansbykarenjones/) - [Reach 150 Reviews](https://reach150.com/altitude-home-loans/review/61033/karen-jones;jsessionid=2A9BD53057C8E37B1D6A829D4802158F) - [Driggs Title Verified Reviews](https://rightdata.driggstitle.com/prv/agent_review.show_all_agent_reviews?cont_p=401442) - [Raving Fan Videos](https://www.youtube.com/watch?v=-Bxw_sTD5ik&list=PLtmyuoUglgPdczNFLewCNx8bLAIMqxcLU) - [Contact Karen](https://homeloansbykarenjones.com/contact-karen-jones) - [Apply Now](https://launch.altitudehomeloans.com/home/karen-jones) [![Website Banner-1](https://homeloansbykarenjones.com/hubfs/Website%20Banner-1.png "Website Banner-1")](https://www.homeloansbykarenjones.com) ![AZ-daily-star-awards-2023-Banner- Blue-1](https://homeloansbykarenjones.com/hs-fs/hubfs/AZ-daily-star-awards-2023-Banner-%20%20Blue-1.png?width=1200&height=99&name=AZ-daily-star-awards-2023-Banner-%20%20Blue-1.png) - [Home](https://homeloansbykarenjones.com/) - Published Books Show submenu for Published Books - [Navigating the Credit Maze](https://www.amazon.com/dp/B0DG7LYQDP?ref=cm_sw_r_ud_dp_7MR7CPFVR9EA94T1DS1C&ref_=cm_sw_r_ud_dp_7MR7CPFVR9EA94T1DS1C&social_share=cm_sw_r_ud_dp_7MR7CPFVR9EA94T1DS1C&skipTwisterOG=1) - [The Art of Winning Listings](https://www.amazon.com/Art-Winning-Listings-Reverse-Engineered-Strategies-ebook/dp/B0G67KQCF6/ref=sr_1_1?crid=15DAZ4RVHF0GL&dib=eyJ2IjoiMSJ9.CD-paxB_TVF3gZgnFaKP3DmB1o_myOA8XueZmItlMoY.aeq6DPRLo6g43Dl_y7SRH4CuY-llx9SykeVM9w1vmM0&dib_tag=se&keywords=The+Art+of+Winning+Listings+Karen+Jones&qid=1765858467&sprefix=the+art+of+winning+listings+karen+jones%2Caps%2C141&sr=8-1) - [Search For Homes](https://nest.me/?affiliate=karen.jones1) - [Phx Metro Home Values](https://cromfordreport.com/rankings.html) - Just For Agents Show submenu for Just For Agents - [Learn How To Market Yourself](https://strategy4successnow.com/) Show submenu for Learn How To Market Yourself - [Menu of Services](https://karen-strategy4successnow.square.site/) - [Homeownership Matters](https://homeloansbykarenjones.com/how-to-buy-home-arizona) - Buyers Show submenu for Buyers - [Nationwide Home Values](https://usherpa.com/LoanOfficer/MemberContent/20CityHomePrice/2e024eb4-19ce-4360-9ba9-6fd45ccfec57) - [Buyer Ready](https://homeloansbykarenjones.com/buyer-ready) - [Credit & Mortgages](https://homeloansbykarenjones.com/credit-mortgages) - [1st Time Homebuyers](https://homeloansbykarenjones.com/first-time-homebuyer) - [How Much House Can Rent Buy?](https://myhome.freddiemac.com/resources/calculators/how-much-can-you-afford) - [Rent or Buy?](https://myhome.freddiemac.com/resources/calculators/rent-vs-buy) - [Buyer Broker Fee](https://homeloansbykarenjones.com/buyer-broker-fee) - Refinance Show submenu for Refinance - [Strike Rate](https://homeloansbykarenjones.com/strike-rate-refinance) - [The Secret Strategy](https://homeloansbykarenjones.com/the-refinance) - [Equity Line of Credit](https://homeloansbykarenjones.com/equity-loc-coming-due) - [Check Schools](https://www.greatschools.org/) Show submenu for Check Schools - [National Center for Education](https://nces.ed.gov/ccd/schoolsearch/) - Credit Show submenu for Credit - [What's The Wait](https://homeloansbykarenjones.com/whats-the-wait) - [Navigating the Credit Maze](https://www.amazon.com/dp/B0DG7LYQDP?ref=cm_sw_r_ud_dp_7MR7CPFVR9EA94T1DS1C&ref_=cm_sw_r_ud_dp_7MR7CPFVR9EA94T1DS1C&social_share=cm_sw_r_ud_dp_7MR7CPFVR9EA94T1DS1C&skipTwisterOG=1) - [Meet Karen](https://homeloansbykarenjones.com/meet-karen) - [Meet Tina](https://homeloansbykarenjones.com/meet-tina-abhar) - Educational Guides (Tools) Show submenu for Educational Guides (Tools) - [Mortgage Calculator](https://www.bankrate.com/mortgages/mortgage-calculator/) - [Buy Now vs Wait Calculator](https://www.readynest.com/homebuyer-resources/buy-now-vs-wait-calculator) - [Readiness Quiz](https://www.readynest.com/homebuyer-resources/homebuyer-readiness-quiz) - [Disciplined Pre-Payment Plan](https://www.calculator.net/mortgage-payoff-calculator.html) - [Loan Savings Calculator](https://www.myfico.com/credit-education/calculators/loan-savings-calculator/) - [Historical & Interactive Interest Rates](https://usherpa.com/LoanOfficer/MemberContent/30YrFixedRateHistory/2e024eb4-19ce-4360-9ba9-6fd45ccfec57) - [Moving Checklist](https://homeloansbykarenjones.com/moving-checklist) - [Home Inspections](https://homeloansbykarenjones.com/home-inspections) - [Glossary](https://homeloansbykarenjones.com/glossary) - Online Reviews Show submenu for Online Reviews - [Zillow Reviews](https://www.zillow.com/lender-profile/homeloansbykarenjones/) - [Reach 150 Reviews](https://reach150.com/altitude-home-loans/review/61033/karen-jones;jsessionid=2A9BD53057C8E37B1D6A829D4802158F) - [Drigg Title Verified Reviews](https://rightdata.driggstitle.com/prv/agent_review.show_all_agent_reviews?cont_p=401442) - [Raving Fan Videos](https://www.youtube.com/watch?v=-Bxw_sTD5ik&list=PLtmyuoUglgPdczNFLewCNx8bLAIMqxcLU) - [Contact](https://homeloansbykarenjones.com/contact-karen-jones) - [Home Loan Programs](https://homeloansbykarenjones.com/home-loan-programs) - [Karen's Blog](https://homeloansbykarenjones.com/blog) - [Apply Now](https://launch.altitudehomeloans.com/home/karen-jones) Open main navigation Close main navigation - [Home](https://homeloansbykarenjones.com/) - Published Books Show submenu for Published Books - [Navigating the Credit Maze](https://www.amazon.com/dp/B0DG7LYQDP?ref=cm_sw_r_ud_dp_7MR7CPFVR9EA94T1DS1C&ref_=cm_sw_r_ud_dp_7MR7CPFVR9EA94T1DS1C&social_share=cm_sw_r_ud_dp_7MR7CPFVR9EA94T1DS1C&skipTwisterOG=1) - [The Art of Winning Listings](https://www.amazon.com/Art-Winning-Listings-Reverse-Engineered-Strategies-ebook/dp/B0G67KQCF6/ref=sr_1_1?crid=15DAZ4RVHF0GL&dib=eyJ2IjoiMSJ9.CD-paxB_TVF3gZgnFaKP3DmB1o_myOA8XueZmItlMoY.aeq6DPRLo6g43Dl_y7SRH4CuY-llx9SykeVM9w1vmM0&dib_tag=se&keywords=The+Art+of+Winning+Listings+Karen+Jones&qid=1765858467&sprefix=the+art+of+winning+listings+karen+jones%2Caps%2C141&sr=8-1) - [Search For Homes](https://nest.me/?affiliate=karen.jones1) - [Phx Metro Home Values](https://cromfordreport.com/rankings.html) - Just For Agents Show submenu for Just For Agents - [Learn How To Market Yourself](https://strategy4successnow.com/) Show submenu for Learn How To Market Yourself - [Menu of Services](https://karen-strategy4successnow.square.site/) - [Homeownership Matters](https://homeloansbykarenjones.com/how-to-buy-home-arizona) - Buyers Show submenu for Buyers - [Nationwide Home Values](https://usherpa.com/LoanOfficer/MemberContent/20CityHomePrice/2e024eb4-19ce-4360-9ba9-6fd45ccfec57) - [Buyer Ready](https://homeloansbykarenjones.com/buyer-ready) - [Credit & Mortgages](https://homeloansbykarenjones.com/credit-mortgages) - [1st Time Homebuyers](https://homeloansbykarenjones.com/first-time-homebuyer) - [How Much House Can Rent Buy?](https://myhome.freddiemac.com/resources/calculators/how-much-can-you-afford) - [Rent or Buy?](https://myhome.freddiemac.com/resources/calculators/rent-vs-buy) - [Buyer Broker Fee](https://homeloansbykarenjones.com/buyer-broker-fee) - Refinance Show submenu for Refinance - [Strike Rate](https://homeloansbykarenjones.com/strike-rate-refinance) - [The Secret Strategy](https://homeloansbykarenjones.com/the-refinance) - [Equity Line of Credit](https://homeloansbykarenjones.com/equity-loc-coming-due) - [Check Schools](https://www.greatschools.org/) Show submenu for Check Schools - [National Center for Education](https://nces.ed.gov/ccd/schoolsearch/) - Credit Show submenu for Credit - [What's The Wait](https://homeloansbykarenjones.com/whats-the-wait) - [Navigating the Credit Maze](https://www.amazon.com/dp/B0DG7LYQDP?ref=cm_sw_r_ud_dp_7MR7CPFVR9EA94T1DS1C&ref_=cm_sw_r_ud_dp_7MR7CPFVR9EA94T1DS1C&social_share=cm_sw_r_ud_dp_7MR7CPFVR9EA94T1DS1C&skipTwisterOG=1) - [Meet Karen](https://homeloansbykarenjones.com/meet-karen) - [Meet Tina](https://homeloansbykarenjones.com/meet-tina-abhar) - Educational Guides (Tools) Show submenu for Educational Guides (Tools) - [Mortgage Calculator](https://www.bankrate.com/mortgages/mortgage-calculator/) - [Buy Now vs Wait Calculator](https://www.readynest.com/homebuyer-resources/buy-now-vs-wait-calculator) - [Readiness Quiz](https://www.readynest.com/homebuyer-resources/homebuyer-readiness-quiz) - [Disciplined Pre-Payment Plan](https://www.calculator.net/mortgage-payoff-calculator.html) - [Loan Savings Calculator](https://www.myfico.com/credit-education/calculators/loan-savings-calculator/) - [Historical & Interactive Interest Rates](https://usherpa.com/LoanOfficer/MemberContent/30YrFixedRateHistory/2e024eb4-19ce-4360-9ba9-6fd45ccfec57) - [Moving Checklist](https://homeloansbykarenjones.com/moving-checklist) - [Home Inspections](https://homeloansbykarenjones.com/home-inspections) - [Glossary](https://homeloansbykarenjones.com/glossary) - Online Reviews Show submenu for Online Reviews - [Zillow Reviews](https://www.zillow.com/lender-profile/homeloansbykarenjones/) - [Reach 150 Reviews](https://reach150.com/altitude-home-loans/review/61033/karen-jones;jsessionid=2A9BD53057C8E37B1D6A829D4802158F) - [Drigg Title Verified Reviews](https://rightdata.driggstitle.com/prv/agent_review.show_all_agent_reviews?cont_p=401442) - [Raving Fan Videos](https://www.youtube.com/watch?v=-Bxw_sTD5ik&list=PLtmyuoUglgPdczNFLewCNx8bLAIMqxcLU) - [Contact](https://homeloansbykarenjones.com/contact-karen-jones) - [Home Loan Programs](https://homeloansbykarenjones.com/home-loan-programs) - [Karen's Blog](https://homeloansbykarenjones.com/blog) - [Apply Now](https://launch.altitudehomeloans.com/home/karen-jones) ![Refinancing](https://homeloansbykarenjones.com/hubfs/Refinancing.png "Refinancing") ### The Secret Refinance Strategy "Discover the hidden refinance strategy in this video, which enables you to pay off credit card debt while reducing interest on your new mortgage. And if  you don't have debt to  consolidate, the plan still works wonderfully! Witness firsthand how this secret tactic can transform your financial outlook and secure your future. See it to believe it!" -Karen Jones, Certified Mortgage Loan Advisor NMLS 307015![Karen\_Jones\_S4S Transparent](https://homeloansbykarenjones.com/hs-fs/hubfs/Karen_Jones_S4S%20%20Transparent.png?width=126&height=101&name=Karen_Jones_S4S%20%20Transparent.png) # Is Your Adjustable Rate Mortgage (ARM) About to Convert??                                                                         Learn How The Secret Refinance Strategy Can Help! [Contact Karen](mailto:kjones@altitudehomeloans.com) # Learn More About the Secret Refinance Strategy! Help rid yourself of the consumer debt that has been holding you down. [Contact Karen](mailto:kjones@altitudehomeloans.com) # The Refinance Journey **What interest rate are you really paying?** Refinance or don’t refinance?…..that is the question. If you have a mortgage with a low rate, that’s great. But what if you have other debt? You might think your interest rate is low, but when you average the rates on your debts overall, it may be significantly higher. Credit cards, car loans, HELOCs and others have all seen their rates drastically increase. The good news is that you probably have a lot of equity in your home that can be used to consolidate all those debts. **And while your new mortgage rate might be higher, your blended rate may actually decline.** When refinancing your home loan you will want to review the numbers to ensure that the refinance is worth the cost and effort. You will want to work with a loan officer that is not just after a loan, but really wants what is best for you and your family. And sometimes, that decision, maybe *not* to refinance. However, if you do find that the numbers helps you with decisions and if a refinance is in your best interest, you’ll want to understand the refinance journey. The short video below will help you understand the life cycle of a refinance. Cash-out refinancing offers homeowners a versatile financial tool to achieve various goals. By leveraging the equity built up in their homes, individuals can access funds for home improvements, debt consolidation, or investments. Whether you're looking to renovate your current property, consolidate high-interest debt into a single, more manageable payment, or venture into real estate investment by purchasing a second home or investment property, cash-out refinancing provides the means to unlock your home's equity and put it to work for you. On the other hand, rate-term refinancing can be a strategic move to lower monthly mortgage payments and potentially save thousands in interest over the loan term. By refinancing at a lower interest rate, homeowners can reduce their monthly financial burden while maintaining or even shortening the loan term. This can result in significant long-term savings and improved financial stability. Rate-term refinancing is particularly beneficial for homeowners looking to optimize their mortgage terms in response to changing financial circumstances or market conditions. Whether you're aiming to free up cash flow, pay off your mortgage sooner, or secure a more favorable interest rate, rate-term refinancing offers a valuable opportunity to enhance your overall financial well-being. # Want to Explore Your Refinance Opportunities? Get started by completing an online application and allow Karen Jones to review numbers with you to see if it makes sense for your situation.   [Start Your Online Application](https://launch.altitudehomeloans.com/home/karen-jones) ![QR- SCAN TO APPLY-1](https://homeloansbykarenjones.com/hubfs/QR-%20SCAN%20TO%20APPLY-1.png "QR- SCAN TO APPLY-1") --- Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://homeloansbykarenjones.com/the-refinance) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://homeloansbykarenjones.com/the-refinance) [Twitter icon](https://twitter.com/intent/tweet?url=https://homeloansbykarenjones.com/the-refinance) [pinterest-p icon](http://pinterest.com/pin/create/link/?url=https://homeloansbykarenjones.com/the-refinance) [envelope icon](mailto:?body=https://homeloansbykarenjones.com/the-refinance) "We are committed to educating and assisting qualified borrowers as they pursue their homeownership goals." ## **Hear From Past Clients** Customer Testimonials [![Powered by Reach150](https://reach150.com/img/common/powered-by-16.png)](https://reach150.com/altitude-home-loans/review/61033/karen-jones)   [Contact Karen](mailto:kjones@altitudehomeloans.com) --- Karen Jones, a Licensed Mortgage Loan Officer (NMLS 307015), located in Phoenix, Arizona has been serving families with their home lending needs for over 40 years.  As a Certified Mortgage Advisor, Karen is dedicated in ensuring that her clients are well educated and prepared for their new home loan decision.  Karen Jones complies with all regulations and rules of all government agencies and regulators including the Real Estate Settlement and Procedures Act. The services provided by Karen Jones are not a condition, nor do they create any obligation for any form of remuneration for any real estate settlement service related to any referral. The opinions expressed here are the opinions of the author and do not reflect the opinions of Altitude Home Loans.  Altitude Home Loans NMLS 1955555  AZ BK 1007669  Branch NMLS 2488403   ![Altitude Home Loans- Karen Jones Transparent](https://homeloansbykarenjones.com/hs-fs/hubfs/Altitude%20Home%20Loans-%20Karen%20Jones%20%20Transparent.png?width=986&height=204&name=Altitude%20Home%20Loans-%20Karen%20Jones%20%20Transparent.png) **                                                 Karen Jones**                                               Senior Certified Mortgage Advisor, RCS-D                                               NMLS 307015 | AZ Lic 0914383                                               Office:  602.613.3573                                               Branch Address:                                               8388 E Hartford Drive, Suite 111                                               Scottsdale, AZ  85255                                               Branch NMLS 2488403   [ Licenses & Disclosures](https://altitudehomeloans.com/licenses-and-disclosures/)    [NMLS Consumer Access](https://nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1955555)   Altitude Home Loans. NMLS 1955555. AZ BK 1007669. Altitude Home Loans is an Equal Housing Lender. Altitude Home Loans is not affiliated with any government agencies. This information is not from HUD or FHA and was not approved by the Department or Government Agency. This is not an offer to enter into an agreement. Information, rates, and programs are subject to change without prior notice. All products are subject to credit approval. Other restrictions and limitations may apply.  The views expressed are opinions of Karen Jones alone and do not necessarily reflect the views of Altitude Home loans.  The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. Karen Jones does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision.  Karen Jones will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein.   ![Equal Housing Logo- HD](https://homeloansbykarenjones.com/hs-fs/hubfs/Equal%20Housing%20Logo-%20HD.jpg?width=53&height=54&name=Equal%20Housing%20Logo-%20HD.jpg)