Mortgage Refinance Guides was founded by Javi Pérez, a technology professional based in Almería, Spain, who built this site to help U.S. homeowners compare mortgage refinance options using verified public data rather than promotional lender marketing. Javi has been building independent editorial finance guides since 2023 and maintains this site without lender sponsorship.
This site covers rate-and-term refinance, cash-out refinance, FHA streamline refinance, VA IRRRL, jumbo refinance, closing costs, credit score dynamics, PMI removal, home equity alternatives, and state-specific refinance differences. All content is researched against primary sources including CFPB, Freddie Mac, FHFA, BLS, and HUD guidance.
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Last reviewed: April 2026 — content checked quarterly against CFPB, Freddie Mac, and FHFA public data sources.