Education first. That's the whole model.
Refinance Academy exists because most refinance marketing is built to capture you before you understand your options. We built the opposite: the understanding comes first.
Who writes this
Every guide on this site is written and reviewed by licensed mortgage loan originators, people who structure these loans daily and are accountable to state and federal regulators for what they say about them.
Davis Erhart
Focuses on FHA and conventional refinancing. Writes the program guides and reviews every calculator on this site.
Craig Malmut
Specializes in rate and term strategy and break-even analysis, helping homeowners decide when a refinance genuinely pays.
Verify either license anytime at NMLS Consumer Access.
How our content is produced
- Written or reviewed by a licensed originator. Every published guide carries a named author with an NMLS ID.
- Sourced from program rules. FHA, VA, and agency guidelines change; we update guides when they do, and each article shows its last review date.
- No rate advertising. We publish methods and calculators rather than rate teasers, because a rate without your full picture is marketing, not information.
- Honest about limits. Mortgage content here is educational, not financial, legal, or tax advice for your specific situation.
What Refinance Academy is not
We are not a lender, bank, or broker, and this site does not make loans, issue approvals, or extend credit. When you ask us to review your options, your information goes to the licensed professionals named above, with your express written consent, and any eventual loan would be originated and disclosed to you under the usual federal rules. The full detail lives in our disclosures.
Ready to see your options?
Five quick questions. A licensed professional reviews your situation, then reaches out only with your written consent.