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Estimating your score will not harm your credit and will help us provide a range of available rates.
By entering your information and clicking “submit," you agree that American Pacific Mortgage may call/text you about your inquiry, which may involve use of automated means and prerecorded/artificial voices. You do not need to consent as a condition of buying any property, goods or services. Message/data rates may apply.
By entering your information and clicking “submit," you agree that American Pacific Mortgage may call/text you about your inquiry, which may involve use of automated means and prerecorded/artificial voices. You do not need to consent as a condition of buying any property, goods or services. Message/data rates may apply.
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Life brings enough surprises; your monthly mortgage payment shouldn’t be one of them.
Adjustable-rate mortgages can be very attractive for a number of reasons, including their low initial payment and rate. Like all things, however, this rate—and your situation—can change. There isn’t a one-size-fits-all approach, but we’re here to help find the right solution for you.
When considering refinancing to a fixed rate, it’s important to ask yourself some questions:
Do you plan to live in the home for 10 years or longer?
If so, a fixed-rate mortgage may be strategic as you can lock in a competitive rate that will not change over the course of your loan life. Speaking of loan life, you control your fate! Want a lower payment? Choose a longer loan term. Want to pay off your loan faster? A shorter loan term will help you achieve that goal.
Do you plan to live in your home for the next 5 to 10 years?
Refinancing into another ARM may help you secure a lower interest rate when you’re looking at a shorter dwelling time. Locking in a lower rate for a specific time, such as 5 or 7 years, can be win-win as you enjoy the benefit of a stable monthly payment combined with a higher monthly cash flow.
Can you afford the new fixed payment?
We are pleased to offer a complimentary mortgage checkup to help you compare your current financing with today's rates and programs.
Our tools allow you to do some research at your own pace, but we're here and available to help whenever you're ready.