Welcome to BUYorREFI Financial,

10/10 service! Rhett and Kristy made the process so easy they answered any questions we had and stayed in touch with updates. Definitely recommend!

Rhett is AWESOME...easy to work with! Very personable & knowledgeable, with the patience to explain things with understandable detail. HIGHLY RECOMMENDED!!

Rhett is constantly in contact, reviewing every step of the process & getting you the best rate possible. Very impressed by his VIP service, made me feel like I was... read more his most valuable client! Highly recommended!

They helped us buy our first home and we couldn't be happier! Very helpful and accommodating throughout the entire process, very knowledgeable and walked us through everything. HIGHLY recommend.

This was a new experience for us: a second home. Rhett shared his insight and experience to help us through. Also, his personality made the entire experience a... read more joyful one. 100%, five stars, excellent!!

Going through the mortgage process doesn't get any better than with Rhett and his team. It was the best mortgage experience we've ever had, not even close. They... read more made it simple, straightforward and as painless as possible - even a pleasure if that's possible for a mortgage. Even more important, we felt like Rhett was working hard for us, doing everything he and his team could to make sure we got the best terms, and kept costs down as much as possible. Couldn't be happier, and we'll refer BUYorREFI every chance we get. Thank you Rhett!

Rhett and his team are the best in the business. I have bought multiple homes in multiple states and their processes along with their customer service is top notch 5... read more stars !!

Had a chance to work with Rhett and he was awesome. Great communication and was able to get the clear to close faster than expected for my clients. I’d highly recommend!

What a great company to work with! On top of everything during the entire process. Thank you!!

Rhett, Kimberly and the whole team at BUYorREFI are ROCK STARS! It took less than a month from my first call with Rhett to closing (AND it was a holiday... read more weekend). The whole team was available at all times which allowed for the expedited closing. Additionally, Rhett suggested changing the closing by one day, which saved me thousands over the term of the loan. I would definitely recommend this team. They work together as a well oiled engine.

Rhett went above and beyond in every aspect of this home purchase. He is extremely knowledgeable and able to "calm nerves" when things become wild and at times uncertain.... read more I would recommend him with out hesitation.

Very knowledgeable, professional, & pleasant to deal with. Highly recommended.

Rhett and his team were a life line in the middle of a very stressful experience of buying a new home. I could not have felt more grateful!

BUYorREFI Financial would receive ten stars if possible. Rhett and Kristy provided professional, timely, comprehensive guidance through the entire process. We felt completely comfortable and confident with their advice and... read more follow-through. They are experts. The mortgage loan process is complex and intricate--thank goodness we had such a talented team to help us.

As a first-time homebuyer, I couldn’t have asked for a better mortgage advisor than Rhett. He was incredibly patient, knowledgeable, and supportive throughout the entire process. Rhett took the time... read more to explain every detail, answered all my questions (no matter how small), and made sure I felt confident in each decision. His professionalism and genuine care made what could have been a stressful experience feel smooth and manageable. I’m so grateful for his guidance and would highly recommend Rhett to anyone navigating their first home purchase!

Thanks Rhett for a seamless transaction. Rhett kept us informed every step of the way and called several times just to see how we were doing. Would definitely use him... read more again.

Rhett and his team run a very hands-on, customer-friendly business that combines a high level of professionalism with a friendly manner while helping to navigate you through the process. This... read more was our first experience with purchasing a home out-of-state and I could not have asked for better service. From the start, Rhett made sure we understood what was needed, got it done, and took the time to answer all our questions. He maintained close contact and helped us secure the best interest rate possible, while ensuring we proceeded through closing without a hitch. I would not hesitate to recommend them to anyone and would use them again without a doubt.

While we were given several options of potential mortgage loan brokers by our realtor (and having talked with a couple of them), we were extremely happy that we chose Rhett.... read more He listened to and quickly understood our end game, giving us sound advice as to the type of loan that would best suit our needs. He then provided information around the loan process itself and the type of information we needed to be collecting in order to start the loan process. More importantly, he provided excellent advice on mortgage loan interest rates and suggested we wait to lock in. Once rates were at the lowest point we could expect given our close date, Rhett suggested we lock them in—which proved to be sound advice. Everyone needs to understand you are taking a risk when making these sorts of decisions, and Rhett clearly outlined the risk and let us make the decision we felt was best for us. There was no pressure on Rhett’s part….only information provided by Rhett with us being the final decision makers. Rhett kept us well informed along the way throughout the loan process and leading up to our close date. He reached out frequently, providing updates on where things stood. Once we closed on our new home, Rhett reached out to explain when and how to start payments on our new mortgage. We could not have been happier with the services Rhett and his team provided. We would not hesitate to use Rhett again, and highly recommend him to others in the market for a mortgage loan broker!