Not available in New York. This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.
Not available in New York. This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.
By giving us your phone number, American Pacific Mortgage has your consent to send you automated calls and texts to service your inquiry. By providing your phone number, you are giving permission to be contacted at that number and may Reply STOP to stop receiving messages or HELP for help. Your consent allows the use of text messages, artificial or prerecorded voice messages and automatic dialing technology for informational and account servicing. You don’t 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 are contacting American Pacific Mortgage and agree that we may email you about your inquiry. You also agree to our Terms of Use and Privacy Policy. You may Unsubscribe at any time by replying to any e-mail from us and change the subject line to “Unsubscribe” or e-mail us at compliance@apmortgage.com to Opt out.
Estimating your score will not harm your credit and will help us provide a range of available rates.
By giving us your phone number, American Pacific Mortgage has your consent to send you automated calls and texts to service your inquiry. By providing your phone number, you are giving permission to be contacted at that number and may Reply STOP to stop receiving messages or HELP for help. Your consent allows the use of text messages, artificial or prerecorded voice messages and automatic dialing technology for informational and account servicing. You don’t 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 are contacting American Pacific Mortgage and agree that we may email you about your inquiry. You also agree to our Terms of Use and Privacy Policy. You may Unsubscribe at any time by replying to any e-mail from us and change the subject line to “Unsubscribe” or e-mail us at compliance@apmortgage.com to Opt out.
By giving us your phone number, American Pacific Mortgage has your consent to send you automated calls and texts to service your inquiry. By providing your phone number, you are giving permission to be contacted at that number and may Reply STOP to stop receiving messages or HELP for help. Your consent allows the use of text messages, artificial or prerecorded voice messages and automatic dialing technology for informational and account servicing. You don’t 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 are contacting American Pacific Mortgage and agree that we may email you about your inquiry. You also agree to our Terms of Use and Privacy Policy. You may Unsubscribe at any time by replying to any e-mail from us and change the subject line to “Unsubscribe” or e-mail us at compliance@apmortgage.com to Opt out.
To begin, you will need to create a secure account.
After you’ve created an account, you will enjoy:
Whether we worked with you on your initial application or you’re a first-time APM customer, know that we’re always here to help you. We have loan officers all over the country so if you need to find someone, click on "find an expert" in the header above.
This is a question our trusted loan advisors are sure to ask you, so it always helps to think about it ahead of time. Why, exactly, do you want to refinance? People refinance for a number of reasons, including a lower rate, different payoff timeline, revised monthly payment, debt consolidation, or to cash out equity. Your motivation for refinancing can help your loan advisor obtain the most favorable terms for your unique financial situation.
This can actually be done at any point during the refinance process. Some people prefer to lock their rate early, while others want to wait until their loan is closer to closing to see if they can shave an extra fraction of a point off. This is a completely personal choice that we’re happy to discuss with you. It’s also important to note that interest rates will range based on your credit score. If your score has dropped since you first obtained your mortgage, that may impact your refinance options.
This step is easy. You’ve already done it before! Lenders will need to verify your income through W-2 forms and federal tax returns. They’ll also need to see your bank statements, homeowner’s insurance policy and a recent mortgage statement. Your debt-to-income ratio is still a consideration during a refi, so they’ll need a list of all your debts, including student loans, car loans, personal loans, credit card debt, etc.
You should receive your new loan estimate within three days of completing your refinance application. You’ll want to look closely at this document to ensure all the terms are accurate and that you understand any fees or additional costs involved in the refinance.
You’re no stranger to this step, either. Once you’ve done all your homework, settled on your terms and turned in your documents, it’s time to sit back and let the underwriters do their jobs. Some lenders may require an official appraisal before moving onto the underwriting step, but that’s not always the case. The underwriter will review your ability for repayment of the new mortgage.
Once underwriting is complete and your loan is approved, you’re just a few signatures away from closing your refinance! Simply sign the final documents, pay any outstanding fees and costs and a notary will make it official!
We have tools and resources available when you need them