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Ready To See How Much You Can
Save With A Home Refinace?

Let's get started

Lower Your Monthly Mortgage, Save Money, or Get More Cash With A Refinance.

Refinancing can be a great way to increase your monthly cash flow by resetting your mortgage terms.

If you want to get out from under high interest rate charges from credit cards, student loans, or other forms of debt, then a cash-out refinance might be the solution for you.

A great way to save money on your home loan is to refinance for a lower interest rate. Just a small drop in interest rate can lower your mortgage payment significantly.

Refinancing your home to take advantage of its equity can be a great way to get the funds you need for home improvements, retirement, vacations and more.

Do you plan to stay in your home for an extended period? If so, then refinancing to a fixed-rate mortgage is a great way to keep your payment from rising.

Refinance Your Mortgage And Start Saving

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.

Your goals matter, and the loan advisors at American Pacific Mortgage can work with you to create a refinance package that makes the most financial sense to you. Tell us what you would like to accomplish, and we will walk you through the refinance process with the information and guidance you need from start to finish.

Let us help you find the home loan to reach your financial goals.

American Pacific Mortgage Programs

Your offer backed by the purchasing power of a full loan approval. With our Keys on Time program, your offer will be the most attractive in a competitive market. Keys on Time Guarantee Want peace of mind for rising interest rates? You can lock your rate while you shop for a home, sell your home, or while your home is under construction. Certain fees may apply. Lock and Buy Want peace of mind for rising interest rates? You can lock your rate while you shop for a home, sell your home, or while your home is under construction. Certain fees may apply. Lock and Build Our Bridge Loan programs can help you purchase a new home before your existing home is sold. Bridge Loan Programs If you are looking to buy a home that exceeds conforming loan limits, we have multiple Jumbo loan programs to choose from. Jumbo Programs Our Peak Loan program allows you to buy a home up to $1.5M with only 5% down. Peak If you are looking to finance a home that exceeds conforming loan limits, our High Balance Solutions program may be the ticket you need. High Balance Solutions If you are looking to finance a home that exceeds conforming high balance loan limits, you can split the loan amount between a first and second with our Jumbo Solutions program. Jumbo Solutions With our Expanded Access program, we have opened the doors to borrowers who need access to financing but don’t "fit" the standard agency or jumbo program guidelines. Expanded Access Investor Advantage gives you the most purchasing power in the market today for investment properties. Investor Advantage A mortgage program that lets qualified borrowers factor in their assets as sources of qualifying income. Asset Inclusion If you can dream it, you can make it a reality. Finance the purchase of your fixer upper with the cost of repairs included in your mortgage. Dream Home Renovation Home Ready is a conventional 3% down mortgage loan with even more flexible income qualification guidelines. Home Ready by Fannie Mae Purchase a home with low down payment and flexible sources of funds. Home Possible A mortgage program dedicated to saving our selfless teachers and first responders a little money on their home loans. STaR Loan Program Financing provided for the purchase and refinancing of manufactured homes. Manufatured Housing

Ready to Refinance?

You can start your refinance today by applying online now. Need more information? Contact an experienced American Pacific Mortgage trusted loan advisor in your area to answer your questions, explain your options, and show you all the ways a mortgage refinance can work for you. Or, you can contact us at (916) 960-5546.

What Can I Afford?

It doesn’t get easier than this.

Check out our user friendly Home Affordability Calculator to assess your debt-to-income ratio, down payment, loan amount, and mortgage payment all at once. It’s almost like your own personal loan expert at the click of the keyboard.

Use our Mortgage Payment Calculator to quickly and easily see current mortgage rates and determine your monthly payment.