An AZ refi company will look into a number of different scenarios to attempt to lower your payments. First of all, they will look at the interest rates that you now qualify for, as many people are so desperate to purchase homes that they end up locking themselves into interest rates that are too high. There is also the chance that the company will provide you with a longer term mortgage, which will bring down the monthly amount that you will have to pay, but will make the overall loan more substantial. Either way, however, this service might be able to get you out of trouble when you need it the most, so it is worth looking into if you are having trouble making payments.