Claim up to $1,500 in savings!
What Is a Mortgage Refinance?
A mortgage refinance is the process of replacing your current loan with a new one, usually to lower your rate, reduce payments, or access home equity.
Your current monthly payment
$2,500
Your monthly payment after refinance with us
$1,300
You could save up to
$1,500*
*$1,500 savings is based on an $800,000 loan for a $1,000,000 property at a 6.0% interest rate. Actual savings will vary based on loan terms and creditworthiness.
How Refinancing Can Help You
Venturing into the world of refinancing can be overwhelming, but with us, it’s a stress-free journey of opportunity.
free up cash
Tap in your home's equity to access funds for home improvements, debt consolidation, or other major expenses.
lower your monthly payment
A lower monthly payment can add breathing room to a tight budget or make funds available to invest in retirement or education.
shorten your loan term
A shorter term lets you pay off your mortgage faster and save on interest.
see how much you could save
Curious if refinancing is right for you? Use our loan calculator to explore how much money you could be saving with us!
refinance benefits
$363
Monthly Payment Difference
-1.35%
Interest Rate Difference
$130,813
Total Loan Term Payment
Title
Current Loan
New Loan
Diffrence
Loan amount
$600,000
$600,000
$0
Monthly payment
$3,100
$3,463
$363
Interest rate
7.000%
5.650%
-1.350%
Total interest
$516,000
$646,829
$130,829
Total payments
$1,116,000
$1,246,813
$130,813
Your Refinancing Journey in 4 Simple Steps
Here’s a quick overview of the refinance process for first-time and experienced home buyers.
1
Application
Talk to a home loan advisor about your refinance, or apply online with the necessary financial documents.
2
Appraisal
We conduct an appraisal of your property to determine its current value.
3
underwriting approval
Once our underwriters approve your loan, we'll schedule a date for closing.
4
loan signing & funding
At closing, you'll sign all the paperwork, and a new mortgage will replace your current one.
Get a Free Appraisal & Home Warranty—Up to $1,500 in Savings!
Lower your mortgage payments and enjoy up to $1,500 in savings with a free appraisal and 1-year home warranty.
Ready to Start Refinancing?
Choose the most convenient way to get started today. Whether you're unsure if it's the right time or ready to move forward, we're here to help every step of the way.
Apply Online
Start your loan application here. Don't worry—if you get stuck, we're just a phone call away.
speak with a loan advisor
We'll help you find the right loan. Start with your application, and answer your questions.
Chat with our experts
Optimize Your Financial Future. Consult with a seasoned loan advisor.
Meet with a loan advisor
Connect with a local expert remotely or at a nearby branch for guidance through the home loan process.
Get expert tips straight to your inbox
Discover ways to increase your home's value and stay on top of local trends.
Pacificwide
Pacificwide Real Estate
We connect you with the most up-to-date real estate tools for your home search and save more with us.
Pacificwide mortgage
We provide 24/7 customer support and secure platform for 100% online mortgage application.
Pacificwide property management
Get free repair estimates and rest easy with our property management team.
LOAN OPTIONS
ABOUT US
CONTACT US
Pacificwide is a Bay Area real estate & mortgage company that serves all your homeownership needs, NMLS Unique Identifier #272883. ©2023 Pacificwide Real Estate & Mortgage. All Rights Reserved.