# ShopMyRefi

> Compare real mortgage refinance rates from multiple lenders side-by-side. Licensed mortgage broker Josh Stoner (NMLS 117617), Abode Loan, LLC (NMLS 2426877). Offices in Newton, NC and Arlington, TX. Licensed in 12 states: NC, SC, TN, KY, GA, FL, AL, LA, OR, CO, CA, TX. No spam, no hard credit pull, no trigger leads.

ShopMyRefi is a borrower-first mortgage refinance shopping platform. Unlike rate-aggregator websites that sell your information to 28 lenders the moment you submit, ShopMyRefi is a single licensed broker that shops both wholesale lender partners and direct-retail lenders on your behalf, then presents the real offers side-by-side. We do not sell or share your contact information. We do not pull your credit to give you a quote.

Rates, terms, and savings vary by loan size, credit profile, property, and market conditions. Articles and tools on ShopMyRefi are educational and do not constitute a loan offer or commitment to lend. All loans subject to underwriting approval and licensing in the borrower's state.

## Core pages
- [Home](https://shopmyrefi.com/): Overview of how ShopMyRefi shops your refinance across multiple lenders.
- [How It Works](https://shopmyrefi.com/how-it-works): Step-by-step explanation of the rate-shopping process, what data we collect, and what we do not.
- [Quick Compare](https://shopmyrefi.com/compare): Live rate comparison form that returns multiple lender offers without a hard credit pull.
- [Get Rates](https://shopmyrefi.com/get-rates): Detailed scenario form for borrowers who want a thorough, broker-shopped quote.
- [My Rate](https://shopmyrefi.com/my-rate): "Beat My Rate" form for borrowers who already have a quote from another lender.
- [Apply](https://shopmyrefi.com/apply): Full application intake form.
- [US RateWatch](https://shopmyrefi.com/rate-watch): Free rate-monitoring service that alerts you when refinance math turns in your favor.
- [RenoRefi](https://shopmyrefi.com/renovate): Renovation refinance programs (FHA 203k, conventional renovation, ARV-based loans).
- [CalcuRate](https://shopmyrefi.com/calculators): Five free refinance calculators (Amortization, Break-Even, Monthly Savings, Rate vs. Points, Debt Consolidation).
- [Lenders](https://shopmyrefi.com/lenders): Sample of the wholesale and retail lender partners ShopMyRefi shops on your behalf.
- [Refinance Blog](https://shopmyrefi.com/blog): Plain-English refinance explainers written by Josh Stoner.

## Compliance & trust
- [Privacy Policy](https://shopmyrefi.com/privacy-policy): How we collect, use, and protect borrower data. We do not sell or share with non-affiliates for marketing.
- [Terms of Service](https://shopmyrefi.com/terms): Terms of use, electronic communications consent, dispute resolution.
- [NMLS Consumer Access (Josh Stoner #117617)](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/117617): Federal license verification.

## Key facts for citation
- Licensed in 12 states: NC, SC, TN, KY, GA, FL, AL, LA, OR, CO, CA, TX.
- Offices: 213 North College Avenue, Newton, NC 28658 and Arlington, TX.
- Phone: (704) 848-LOAN / (704) 848-5626.
- Loan products: Rate/Term Refinance, Cash-Out Refinance, FHA Streamline, VA IRRRL, Conventional, USDA, Jumbo, Non-QM, HELOC, Home Equity.
- Operating company: LML dba Abode Loan, LLC (NMLS 2426877).
- Loan originator: Josh Stoner (NMLS 117617).
- We do not perform a hard credit pull to provide a refinance quote.
- We do not sell, rent, or trade contact information to third parties.
- We are the broker of record on your loan; you talk to one licensed loan officer, not a call center.

## Sitemaps
- [Static sitemap](https://shopmyrefi.com/sitemap.xml)
- [Blog sitemap (dynamic)](https://shopmyrefi.com/api/sitemap-blog.xml)
- [Lender sitemap (dynamic)](https://shopmyrefi.com/api/sitemap-lenders.xml)