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Fix Your Rate

Keep Your Payments in Check with a Refi

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.

What are Your Plans?

When considering refinancing to a fixed rate, it’s important to ask yourself some questions:

Icon - Carrot - FlatDo 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.

Icon - Carrot - FlatDo 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.

Icon - Carrot - FlatCan you afford the new fixed payment?

Depending on the market, your payment may change. Be sure to get a sense of what an ideal monthly payment and loan term look like for you. Your loan advisor can help by showing you all of your available options so that you can compare and make the right decision for you.

Get a Mortgage Checkup

We are pleased to offer a complimentary mortgage checkup to help you compare your current financing with today's rates and programs.

Schedule Today

We’re Here to Help

Our tools allow you to do some research at your own pace, but we're here and available to help whenever you're ready.

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Creating Experiences That Matter

CONTACT

American Pacific Mortgage
Corporate Office
3000 Lava Ridge Court
Suite 200
Roseville, CA 95661
916.960.1325

All information contained herein is for informational purposes only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate 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 apply. PURSUANT TO THE REQUIREMENTS OF SECTION 157.007 OF THE MORTGAGE BANKER REGISTRATION AND RESIDENTIAL MORTGAGE LOAN ORIGINATOR ACT, CHAPTER 157, TEXAS FINANCE CODE, YOU ARE HEREBY NOTIFIED OF THE FOLLOWING: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE, SIGN AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE DOWNLOADED AND PRINTED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENTS WEB SITE AT WWW.SML.TEXAS.GOV.

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