The Refinance
Loan Journey
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Browse by State
*Field Required
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District Of Columbia
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Puerto Rico
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
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.
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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.
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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.
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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.
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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.
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After you’ve created an account, you will enjoy:
- Secure loan application & document exchange
- Ability to pause and resume where you left off
- Updates on your application
- Capability to e-sign documents
- Easy access to resources
Refinancing Made Simple
We're here to help guide you through the process Buying a home is such a thrilling milestone. Refinancing your home can be a powerful way to lower your monthly payments, shorten your loan term, or tap into your home’s equity. The journey begins with reviewing your current financing with your loan officer, giving you a clear picture of your current position, options and helping you make informed decisions to meet your goals. Throughout the process, open communication is key—our team will keep you updated every step of the way, ensuring everything stays on track. Whether refinancing to save money monthly or to access cash for life’s next step, we’re here to make the process smooth, simple, and stress-free. Let’s make your home work even better for you!
Connect
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.
Determine Your Objectives
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.
Lock Your Rate
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.
Gather Your Documents
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.
Evaluate Your Loan Estimate
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.
Sit Tight
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.
Sign on the Dotted Line
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!
Additional Resources
We’re Here to Help
We're always happy to chat, but sometimes you need to do things at your own pace. Our tools and resources are available whenever you need them.
