Conventional Refinance Loans in Arizona
Two Ways to Refinance with a Conventional Loan
- Rate-and-Term Refinance — replaces your current loan with a new rate or term, no cash out. The common way to adjust a higher rate or shorten your term without touching your equity.
- Cash-Out Refinance — turns home equity into cash for debt payoff, renovation, or anything else. On a primary home, conventional cash-out refinances are capped at the program's maximum LTV — contact us for current guidelines.
Explore your conventional refinance options — rate-and-term or cash-out — with a direct lender who's been closing Arizona loans since 2000.
NMLS #223426 | Equal Housing Lender | Direct Lender, In-Hous
What You'll Need to Qualify
- Credit score: most lenders require a minimum qualifying credit score, though your exact threshold depends on your debt to income ratio and equity position
- Debt to income: conventional guidelines cap DTI within a range that varies depending on your credit profile — ask us what applies to your file
- Equity: cash-out refinances require keeping the required minimum equity in the home after closing per program guidelines
- Mortgage insurance: none required once you reach the equity threshold. If you're currently paying PMI, you can request cancellation once your loan reaches the threshold under the Homeowners Protection Act, and it terminates automatically at the HPA's set level if your payments are current
2026 Conforming Loan Limit, Pima County
Pima County's conforming loan limit is set annually by the Federal Housing Finance Agency. Above that limit, you're in jumbo territory instead of conventional. Contact us or visit FHFA.gov for the current figure.
Why Refinance With Danny Plattner
Danny Plattner (also known as Danny) has originated loans since 2000 and works as Senior Loan Originator with Altitude Home Loans, a direct lender that underwrites and funds in house instead of shopping your loan to other banks. Altitude Home Loans has been named Arizona Daily Star Readers' Choice Best Mortgage Company five years running, 2021 through 2025.
NMLS #223426 (Danny Plattner) | NMLS #1955555 (Altitude Home Loans)
Frequently Asked Questions (FAQs)
Please reach us at dplattner@altitudehomeloans.com if you cannot find an answer to your question.
Rate-and-term changes your rate or loan length without touching your equity. Cash-out lets you borrow against your equity and walk away with cash at closing.
You can request cancellation once your loan balance reaches the threshold under the Homeowners Protection Act, as long as payments are current. Federal law also requires automatic termination at the HPA's set level.
Most lenders require a minimum qualifying credit score, though your rate and approval depend on your full financial picture, including debt to income ratio and equity. Altitude reviews each file individually.
Pima County's conforming limit is set annually by FHFA. Contact us or visit FHFA.gov for the current figure.
Up to the program's maximum LTV on a primary residence, keeping the required minimum equity in place. Contact us for current guidelines.
Depends on appraisal scheduling and documentation. Ask Danny's team for a file-specific estimate.
Schedule a free call with Danny's team to review your option
Other Refinance Options
Sources: CFPB — PMI Cancellation (HPA) | FHFA 2026 Conforming Loan Limits | Freddie Mac — Max LTV/Cash-Out Rules | Fannie Mae — Credit Score Requirements
Altitude Home Loans. 4031 E Sunrise Drive, Tucson, AZ 85718. www.altitudehomeloans.com. NMLS 1955555. You can access Altitude's licensing information in NMLS by clicking here. Equal Housing Lender. This website is privately owned and maintained by Danny Plattner. This is not a government website and not associated with Davis-Monthan Air Force Base or the Department of Veterans Affairs or any other government agency. Danny Plattner, Licensed Mortgage Loan Originator, NMLS 223426. Licensed to originate in states displayed in NMLS. Access Danny's licensing information in NMLS by clicking here.
Copyright © 2026 Danny Plattner - All Rights Reserved.
Altitude Home Loans
Click here for licensing information related to Altitude Home Loans.
4031 E Sunrise Drive, Tucson, AZ 85718. www.altitudehomeloans.com. NMLS 1955555. You can access Altitude’s licensing information in NMLS by clicking here. Equal Housing Lender. This website is privately owned and maintained by Danny Plattner. This is not a government website and not associated with Davis-Monthan Air Force Base or the Department of Veterans Affairs or any other government agency.
Danny Plattner, Licensed Mortgage Loan Originator, NMLS 223426. Licensed to originate in states displayed in NMLS.
Not affiliated with Department of Veterans Affairs
Access Danny’s licensing information in NMLS by clicking here.
Originating in Arizona, California, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Kansas, Montana, Nevada, North Carolina, Oregon, Tennessee, Texas, Kentucky, Wyoming and Washington.
Disclaimer: Altitude Home Loans Click here for licensing information related to Altitude Home Loans. 4031 E Sunrise Drive, Tucson, AZ 85718. www.altitudehomeloans.com. NMLS 1955555. You can access Altitude’s licensing information in NMLS by clicking here. Equal Housing Lender. This website is privately owned and maintained by Danny Plattner. This is not a government website and not associated with Davis-Monthan Air Force Base or the Department of Veterans Affairs or any other government agency. Danny Plattner, Licensed Mortgage Loan Originator, NMLS 223426. Licensed to originate in states displayed in NMLS. Access Danny’s licensing information in NMLS by clicking here.
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