Phil Mazzaferro

NMLS # 45204

phil@absoluteloans.com

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Get a Refinance Quote

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Where is your home located?

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What kind of home do you currently own?

It can make a difference in the interest rate you get.

Single Family Home

Townhome

Condominium

Mobile or Manufactured

How are you using this home?

This will affect your home loan options.

Primary Residence

Secondary or Vacation Home

Investment Property

Are you (or your spouse) a veteran or active duty military?

If so, you may qualify for a VA Interest Rate Reduction Loan (IRRRL).

Yes

No

What is the value of your home?

It is ok to estimate. *

What is the balance of your current loan?

It's ok to estimate. *

What is your current interest rate?

It's ok to estimate, or skip if you don't know.

What is your current monthly payment?

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Do you have a second mortgage or a home equity line of credit on this property?

Yes

No

What is the balance of your second mortgage or home equity line of credit?

It's ok to estimate *

Do you want to borrow additional cash when you Refinance?

Yes

No

What's your annual income before taxes?

The amount you may qualify for depends partially on your income.

Do you know your credit score?

It's ok to estimate

Excellent: 740 and above

Good: 700-739

Average: 660-699

Fair: 620-659

Poor: 619 Or Below

I Don't Know

Are you self-employed?

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No

Have you had a bankruptcy, foreclosure, or short sale in the past 4 years?

Experiencing one of these events doesn't mean that you can't get a loan, but it can affect your eligibility for certain loan programs.

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First name *

Last name *

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Absolute Mortgage

NMLS #1850

1180 NW Maple St, Suite 300
Issaquah, WA 98027

425-658-8600

Operates as Absolute Mortgage in AZ, CO, FL, GA, HI, MI, MN, OH, OR, TX, WA

Operates as American Pacific Mortgage in AK, CA, ID.

Licensed under the Oregon Consumer Finance Act

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©2025 Absolute Mortgage a division of American Pacific Mortgage Corporation NMLS 1850. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity.

All information contained herein is for informational purposes only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs, and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions apply.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV.

Licensed by the Dept of Financial Protection and Innovation under the CRMLA

Regulated by the Colorado Division of Real Estate

AZ BK 0906702

Georgia Residential Mortgage Licensee

NV MB 164

Not available in New York

Reverse mortgages are loans offered to homeowners who are 62 or older who have equity in their homes. The loan programs allow borrowers to defer payment on the loans until they pass away, sell the home, or move out. Homeowners, however, remain responsible for the payment of taxes, insurance, maintenance, and other items. Nonpayment of these items can lead to a default under the loan terms and ultimate loss of the home. FHA insured reverse mortgages have an up front and ongoing cost; ask your loan officer for details. These materials are not from, nor approved by HUD, FHA, or any governing agency.

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