HOW MUCH CAN YOU SAVE WITH A HOME

 REFINANCE?

Do you know what a mortgage refinance can do for you? Refinancing can be a great tool to increase your monthly cash flow by resetting your mortgage terms with a lower interest rate, or an extended term to lower your monthly payment. Refinancing can also be a helpful tool to restructure existing debt, or consolidate your first and second mortgage into one.

GET STARTED

THE REFINANCE PROCESS IS SIMILAR TO WHEN YOU FIRST GOT FINANCING FOR YOUR HOME, AND MANY OF THE COSTS WILL BE THE SAME.

1. CONSULT AND APPLY FOR A REFINANCE LOAN

Our American Pacific Mortgage advisors will help you determine what you want to accomplish with your refinance, and let you compare loan programs side by side. Once you have selected the program that best suits your needs, you will apply for a new mortgage loan.

2. DOCUMENTS TO PROVIDE

When you apply for a refinance, you will provide personal information to the lender verifying your personal assets and debt. To expedite the process, you will want to start gathering the following items for all borrowers on the loan:

  • Income Statements: W2’s from the last two years, or signed copies of the last two year’s tax returns if self-employed. Self-employed borrowers should also bring profit/ loss statements or balance sheets for the current year

  • Asset Information: Most recent bank statements, most recent 401ks, IRAs, mutual funds and securities account statements

  • Current Mortgage Information: Contact information for the original lender, a copy of your current payment coupon, and the outstanding mortgage balance on the existing loan

  • Homeowner’s Insurance: The name of your Homeowner’s insurance company and their contact information

LET US HELP YOU FIND THE HOME LOAN TO

REACH YOUR FINANCIAL GOALS

 FIXED RATE 

The peace of mind of a fixed rate and payment is the right choice for most borrowers.

 ADJUSTABLE RATE 

When you have short term lending goals, an adjustable rate may be right for you.

 WHAT CAN I AFFORD? 

 

Use our mortgage calculators to see current mortgage rates and determine your monthly payment.

ACHIEVE YOUR HOMEOWNER DREAMS WITH

AMERICAN PACIFIC MORTGAGE

SPECIALTY PRODUCTS

Sacramento Office: 980 9th St, Suite 1780, Sacramento, CA 95814

800.455.0986

NMLS #1276063/1850

Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act

Davis Office: 422 2nd St, Davis, CA 95616

800.455.0986

NMLS #1445397/1850

Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act

NMLS Consumer Access

https://www.nmlsconsumeraccess.org/TuringTestPage.aspx?ReturnUrl=/EntityDetails.aspx/Branches/1850

Privacy Policy

https://www.apmortgage.com/privacy-policy

APM Accessibility Statement

https://cdn2.hubspot.net/hubfs/450717/compliance%20notices/APM%20Accessibility%20Statement.pdf

© 2020 American Pacific Mortgage Corporation. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity.

  • Grey Facebook Icon
  • Grey Twitter Icon
  • Grey Instagram Icon
  • Grey LinkedIn Icon
  • Grey Yelp Icon
  • Grey YouTube Icon
  • Grey Google+ Icon
APM 2018 Logo NMLS.PNG

CALIFORNIA HOME LOANS

JASON MATA NMLS #273080 | 1850