We make the mortgage process
quick and easy.

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If you have mortgage related questions, we have the answers. Ask away and one of our experienced lending professionals will be happy to help you out.

 Welcome to BUYorREFI Financial,

where mortgages are done quick and easy.  Our mortgage professionals are the leading Mortgage Brokers in The Sun Cities, Peoria, Surprise, Glendale and Metropolitan Phoenix Arizona communities. We will provide you with an exceptional value on your new home loan.

You can rely on us as your mortgage advisor for your 45th home or first home.  We have helped over 3,000 families in our 18 years of service.  Whether you are looking at a reverse mortgage or a standard 30 year fixed you can expect a seamless transaction. We are here to educate you on the unique programs for you individual situation. 

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Reverse Mortgage Assistance

A Reverse Mortgage is a federally regulated program for homeowners, aged 62 and older. It allows the equity in your home to pay you rather than you paying for the home. The BUYorREFI Financial Team will help you find the right financing solutions to meet your needs.


Give us a call or simply fill out any of the forms on our website and one of our experienced mortgage lenders will be in touch right away!

Today's Rates &
Low Costs

Mortgage Rates can change on a daily basis. Due to these fluctuations timing is everything. Our team specializes in understanding market trends. We help homeowners determine the right time to purchase or to refinance.


Call us or fill out any of the 30 second forms on our website to connect with one of our experienced VA mortgage specialist today!

The Concierge Service

We can help you lower your interest rate, lower your monthly payment, or take cash out. The BUYorREFI Financial team is here to help you with all of your mortgage refinancing needs.


Simply fill out any of the forms on our website or give us a call so we can show you the best refinancing options for your unique scenario.

What are you waiting for? Getting started is easy. We offer very competitive rates, have great service, and always close on time.

We Offer Several Different Loan Programs To Meet Your Needs.

A smart buyer is an informed buyer.
Take the time to learn more about the types of loans we provide by selecting one of the links on the right.

Reverse Mortgage

When it comes to Reverse Mortgages, Education is the key. Our pledge to you, is to complete the education process, so you are able to make an informed decision. Prospective clients are encouraged to invite family members to be a part of the discussion during this education process.

Conventional Loans

Great rates and buyer flexibility make conventional loans the most popular mortgages on the market today. Find out how you can qualify today!

FHA Loans

FHA loans are a popular choice among first time homebuyers given their low down payment requirements and ease of qualification. Learn more about how you can qualify for an FHA loan.

VA Loans

Veterans, active military, and their families can take advantage of a VA loan to purchase a home with no money down, great interest rates, and no private mortgage insurance. Learn more today!

Jumbo Home Loans

Jumbo loans can be the perfect option if you are looking for a home loan that exceeds the limits placed on government backed options such as FHA loans. Learn more about our Jumbo loan options.

Home Purchase Loans

Whether you are interested in a Conventional Loan, FHA Loan, VA loan or other similar financing option, our team of experts will help you find the solution that works best for your needs.

Home Refinance Loans

Learn more about how refinancing your mortgage can help you save money over the life of your loan by lowering your interest rate or reducing loan terms.

What people are saying about Rhett and his team!

Thomas H

My wife and I have had numerous real estate transactions (we’ve been married since 1978) in Los Angeles, Chicago and New York City and currently Surprise, AZ. Our complex finance “challenges” recently in AZ we’re overwhelming UNTIL we connected with Rhett Laufenburger and his team. Their professionalism and commitment to customer service is unprecedented. Rhett makes it happen!!

Gail B.

As a realtor, I work with a lot of different lenders for my clients and it has been a pleasure to work with Rhett Laufenburger on my most recent sale. His level of communication is outstanding, which offered tremendous relief to my sellers along the way. Thanks so much Rhett!

Elayne N.

It had been a number of years since we purchased a house. When we met Rhett, we immediately felt that we were in the capable hands of a caring, professional, knowledgeable and PATIENT person. During the process, I had a million questions and concerns. I can tell you that all of them were answered each one with concern that I understood and that the question was answered thoroughly. The experience was excellent and I would recommend BUYorREFI a  thousand times over. Thank you Rhett.

Get In Contact With BUYorREFI Financial By Phone or Email.


BUYorREFI Financial (NMLS 1838307)
Rhett Laufenburger NMLS# 221295
6532 West Leiber Place
Glendale, AZ 85310

Contact Us

BUYorREFI Financial
14780 W Mountain View Blvd
Suite #206
Surprise, AZ 85374

(480) 225-6699

SAT-SUN By Appointment only

This material is not from HUD or FHA and has not been approved by HUD or a government agency."  Remove the pictures of money from the home page as advertisements containing graphics of checks or currency are seen as unethical by NRMLA Ethics Advisory Opinion 2012-01. On the Reverse Mortgage page, edit the answer to "What restrictions apply to the cash I receive from a Reverse Mortgage," by adding an asterisk after non-taxable with the explanation to consult a tax professional.

Call Today (480) 225-6699