A refinance closing will be conducted the same way that your loan was closed when you first purchased your property.

1. Choose your loan type & terms. Research the available loans on Today's Rates , or call one of our friendly, professional loan analysts at to design your own personal refinance loan.

2. Apply online or over the phone. Use our online Quick App or complete your application over the phone at . It's fast and easy.and there are no application fees.

3. Lock your rate. You can immediately lock in guaranteed interest rates and costs under a lock period best suited to your needs.

4. Complete the closing. We'll be in direct contact with the settlement agent (or closing attorney) to wire the funds and ensure an on-time close. After all, we guarantee on-time purchase closings or we'll give you $200!

Other benefits of working with Arizona Marketing Specialists Inc. for your refinance loan.

• You'll get your money fast. Since we are a bank, we can close your loan in days, not months.
• Take a 30-day break from payments. Your first payment is usually not due for 30 days or more--allowing you to skip a payment.