Pacificwide Real Estate & Mortgage

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.

Free Appraisal & 1- Year Home Warranty - Up to $1500

When you refinance with us

Learn more

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

$363.41

Monthly Payment Difference

-1.35%

Interest Rate Difference

$130,813.08

Total Loan Term Payment

Title

Current Loan

New Loan

Diffrence

Loan amount

$600,000

$0

Monthly payment

$3,100

$3,463.41

$363.41

Interest rate

7.000%

5.650%

-1.350%

Total interest

$516,000

$646,829.31

$130,829.31

Total payments

$1,116,000

$1,246,813.08

$130,813.08

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.

Apply now

speak with a loan advisor

We'll help you find the right loan. Start with your application, and answer your questions.

Call us

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.

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3005 Silver Creek Rd STE 210-214, San Jose, CA 95121

(408) 532-1278

mortgage@pacificwide.com

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Claim up to $1,500 in savings!

GET THE RATE YOU DESERVE

$

$

$

$

Mortgage disclosures

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.

$2,500

$1,300

You could save up to

$1,500*

Free Appraisal & 1- Year Home Warranty - Up to $1500

When you refinance with us

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!

Current Loan

$

$

%

New Loan

%

$

refinance benefits

$363.41

Monthly Payment Difference

-1.35%

Interest Rate Difference

$130,813.08

Total Loan Term Payment

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