Refinance · The Consumer Protection Brokerage
Refinance without the markup.
Most mortgage brokers get paid a percentage of your loan, which means bigger loans pay them better. We fixed that. Arrivva works on fixed, flat lender and borrower compensation: a flat fee of $5,750, paid by you or by the lender. Here is exactly what you need to get started.
Get ready
What do I need to refinance?
Four buckets. Have them ready and your refinance moves fast.
Income
If you have just a paystub and W2 income, you'll go fast. Worst case, we need 1 month of pay stubs and the last 2 years of W2s. Self-employed or own investment property? We'll need the full signed 2 years of 1040s, 1120s, and the rest, with all the schedules and the K1s.
Assets
That means bank statements. Get us two months of statements, all pages, showing enough to pay any money due at closing plus up to 9 months of reserves for jumbo loans.
Appraisals
Very cool news: most refis with a standard Fannie Mae loan amount, no cash-out, and good income and credit are getting appraisal waivers.
Other stuff
The declaration page of your insurance policy, condo contact info, and a photo ID. You'll also have title insurance again, because the new lender needs to know all is well with your place.
The Arrivva home mortgage refinance difference
How we fixed refinancing
Percentage compensation gives brokers a reason to steer you toward bigger loans and pricier products. A flat fee removes the conflict. We shop your scenario, you see the numbers, and our pay never changes based on your loan size.
Refinance FAQ
Refinance questions, answered
How much does it cost to refinance with Arrivva?
Our compensation is a flat $5,750, paid by you or by the lender. It is never a percentage of your loan amount, so our incentive is to get you the best loan, not the biggest one.
What documents do I need to start a refinance?
Income documentation (1 month of pay stubs and 2 years of W2s for W2 earners; 2 years of full signed tax returns with schedules and K1s if self-employed), two months of bank statements with all pages, your insurance declaration page, condo contact info if applicable, and a photo ID.
Will I need an appraisal?
Often not. Most refinances with a standard Fannie Mae loan amount, no cash-out, and solid income and credit are currently getting appraisal waivers.
How much do I need in reserves?
Enough to cover any money due at closing, plus up to 9 months of reserves for jumbo loans. Your two months of bank statements should show it.
Why do I need title insurance again?
The new lender needs to verify that everything is in order with your property, so a new lender's title policy is part of every refinance.
Client reviews
Backed by a reputation built on trust
Customers trust Fred Glick to get their loans closed. A 4.9 Zillow rating across hundreds of transactions says it better than we can.
“Their fee structure alone saved me over $200,000... There was no pressure, no ego, just smart advice grounded in data and experience.”
“Fantastic experience with Fred and team. Sold in less than 30 days with multiple offers and all cash. Can't recommend enough”
“They also had the lowest rates and fees I could find for my mortgage. When issues arose with the lender, Fred made sure everything went through smoothly.”
Ready to get started with your refinance?
Send us your scenario and we'll show you the numbers, flat fee and all.
Calls and texts are answered by Amy, our AI assistant, who can answer questions and help you book.