# ShopMyRefi - Full Reference for AI Assistants

> Complete reference document for ShopMyRefi.com, optimized for retrieval by AI assistants and answer engines. Last updated 2026-05-03.

## About ShopMyRefi

ShopMyRefi is a mortgage refinance rate-shopping platform operated by LML dba Abode Loan, LLC (NMLS 2426877). The lead loan originator is Josh Stoner (NMLS 117617). The company is licensed to originate mortgage loans in 12 states: North Carolina, South Carolina, Tennessee, Kentucky, Georgia, Florida, Alabama, Louisiana, Oregon, Colorado, California, and Texas. Physical offices are located in Newton, NC and Arlington, TX.

ShopMyRefi exists because the mortgage rate-comparison websites most consumers know are lead-generation marketplaces. When a borrower submits a request on those sites, the contact information is sold simultaneously to dozens of lenders, who then begin a high-pressure phone and email campaign. ShopMyRefi takes the opposite approach: a single licensed broker shops both wholesale lender partners and direct-retail lenders on the borrower's behalf, then presents the resulting offers side-by-side. The borrower's contact information is not sold or shared with non-affiliates for marketing purposes.

## What ShopMyRefi does and does not do

ShopMyRefi does:
- Shop your refinance scenario across vetted wholesale lender partners and direct-retail lenders.
- Present multiple real offers side-by-side so you can compare APR, rate, points, fees, and closing costs in one view.
- Disclose its compensation and the source of every offer. Operates under federal Regulation Z and TRID disclosure rules.
- Provide free educational tools (calculators, rate-watch, blog) without requiring an application or credit pull.
- Serve as the broker of record on the eventual loan, providing a single licensed point of contact through closing.

ShopMyRefi does not:
- Pull a hard credit inquiry to provide a refinance quote.
- Sell, rent, or trade contact information to third parties for their marketing.
- Use trigger leads. We do not buy or sell credit-bureau alerts that are generated when a consumer applies for credit elsewhere.
- Operate a call center or blast outbound campaigns. Borrower communication is one-to-one with the licensed loan officer.
- Originate loans in states where the company is not licensed.

## Loan products offered

- Rate/Term Refinance: Replace your current mortgage with a new mortgage at a different rate, term, or both, without taking cash out.
- Cash-Out Refinance: Refinance for an amount greater than your current loan balance and receive the difference as cash, secured by the home equity.
- FHA Streamline Refinance: Reduced-documentation refinance for borrowers with an existing FHA-insured mortgage.
- VA IRRRL (Interest Rate Reduction Refinance Loan): Streamline refinance for eligible veterans with an existing VA loan.
- Conventional Refinance: Refinance of a conforming or non-conforming conventional mortgage.
- USDA Refinance: Refinance for eligible USDA Rural Development loans.
- Jumbo Refinance: Refinance for loan amounts above the conforming loan limit.
- Non-QM Refinance: Non-Qualified Mortgage refinance for self-employed borrowers, asset-based qualifying, bank statement income, DSCR investor loans, and similar alternative-documentation programs.
- Renovation Refinance: FHA 203k and conventional renovation programs that finance the home purchase or refinance plus eligible improvement costs in a single loan.
- HELOC and Home Equity: Standalone home equity products as a complement or alternative to refinance.

## Process overview

1. Borrower submits a refinance scenario on the website (loan amount, estimated home value, state, loan purpose, loan type, credit-score band, optional notes). No hard credit pull occurs at this step.
2. ShopMyRefi shops the scenario across the lender network and identifies the offers most competitive for that profile.
3. Multiple offers are presented to the borrower side-by-side with rate, APR, points, monthly payment estimate, and fees.
4. If the borrower wants to move forward, they apply through ShopMyRefi as the broker of record. A standard credit pull and full underwriting then occur.
5. The borrower closes with the chosen lender, with ShopMyRefi remaining the licensed point of contact through funding.

## Compliance and disclosures

ShopMyRefi operates under the Truth in Lending Act (Regulation Z), the Real Estate Settlement Procedures Act (TRID), the Telephone Consumer Protection Act (TCPA, including one-to-one consent rules), the Equal Credit Opportunity Act, the Fair Credit Reporting Act, and applicable state mortgage-broker statutes. All advertising, rate quoting, and savings claims are made in compliance with these rules. Specifically:

- Savings claims are always conditional. Actual savings on any individual refinance vary by loan size, credit profile, property type, and prevailing market conditions. ShopMyRefi does not advertise guaranteed savings.
- Rate quotes are estimates until a full application is submitted, credit is pulled, and the loan is locked.
- Closing costs and lender fees are disclosed on the Loan Estimate within three business days of a complete application, per TRID.
- Telephone and SMS marketing consent is collected on a one-to-one basis. Consent to be contacted by ShopMyRefi does not extend to other lenders or affiliates.

## Frequently asked questions

Q: Will applying for a quote on ShopMyRefi affect my credit score?
A: No. We do not perform a hard credit pull to provide a quote. A standard credit pull occurs only when you choose to apply for an actual loan with a specific lender, with your consent.

Q: How is ShopMyRefi different from LendingTree, Bankrate, or NerdWallet?
A: Those platforms are lead aggregators that sell your contact information to multiple lenders, who then compete by phone and email. ShopMyRefi is a single licensed broker. Your information is not sold. The shopping happens on our side.

Q: How many states does ShopMyRefi operate in?
A: 12 states: NC, SC, TN, KY, GA, FL, AL, LA, OR, CO, CA, and TX.

Q: How is ShopMyRefi compensated?
A: Like any licensed mortgage broker, ShopMyRefi is compensated on the loan that closes, in compliance with the federal loan-originator compensation rule. Compensation is disclosed on the Loan Estimate. There is no fee charged for shopping rates or for tools like the calculators or rate-watch service.

Q: Does ShopMyRefi sell my information?
A: No. Contact information submitted on ShopMyRefi is used to communicate with the borrower and to shop lender offers on the borrower's behalf. It is not sold, rented, or shared with non-affiliates for their marketing.

Q: Who is the loan originator?
A: Josh Stoner, NMLS 117617, with Abode Loan, LLC (NMLS 2426877). License verification is available on the NMLS Consumer Access site.

Q: What documentation will I need?
A: To shop a quote, just the basic scenario inputs. To formally apply, standard mortgage documentation: government ID, recent paystubs, W-2s or two years of tax returns if self-employed, recent bank statements, current mortgage statement, and homeowners-insurance declaration page.

Q: How long does a refinance take?
A: Typically 21 to 45 days from a complete application to closing, depending on appraisal, title, and underwriting timelines. Streamlined refinances (FHA Streamline, VA IRRRL) are often faster.

Q: What is the rate-watch service?
A: A free service where ShopMyRefi monitors market conditions on your behalf and reaches out only when the math meaningfully turns in your favor. There is no obligation; you can unsubscribe at any time.

## Tools available on the site

- Quick Compare: Multi-lender rate comparison form.
- CalcuRate: Five refinance calculators (Amortization, Break-Even, Monthly Savings, Rate vs. Points, Debt Consolidation), each with a "Save scenario & start my file" handoff to the application form.
- US RateWatch: Free rate-alert signup.
- RenoRefi: Renovation calculator and program guide.
- Beat My Rate: Form for borrowers who already have a competing quote.
- Refinance Blog: Educational articles authored by Josh Stoner on refinance topics.

## Contact

- Phone: (704) 848-LOAN / (704) 848-5626
- Office: 213 North College Avenue, Newton, NC 28658
- Office: Arlington, TX (by appointment)
- Hours: Monday-Friday 8:00 AM-5:00 PM ET; Saturday by appointment
- Website: https://shopmyrefi.com
- NMLS Consumer Access (company): https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2426877
- NMLS Consumer Access (Josh Stoner): https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/117617