There are many reasons to refinance your home loan. From rate changes to term changes, the possibilities and rationales span from the savvy to the practical reasons. The financial impact of refinancing can be large; monthly savings add up to thousands of dollars over the course of a loan. Additionally, the change in the length of a loan can be timed to life events, such as expected relocation or retirement. With so many options in refinancing your home loan, getting answers to your questions is the first step in making a change for the better.
The landscape of the mortgage business has changed. But Sierra Pacific Mortgage has stood the test of time. As a trusted and respected lender, we provide homeowners looking to refinance existing loans a solid base to make important decisions. Our San Diego office is one of the many locations our California-based company has to provide exceptional service to people refinancing real estate loans.
Typical Refinance Scenarios
Our clients come to Sierra Pacific Mortgage for a variety of reasons, and our refinance options include:
- Adjustable rate loans to fixed rates
- Changes in fixed rate, lowering monthly payments
- Changes in term length
- Debt consolidation loans
- Cash out refinance loans
- Government programs, such as HARP, VA, or FHA loans
When you call us, our friendly and experienced staff will carefully listen to your situation and goals, then ask the questions that can guide to the right refinance option. Factors such as current loan specifics, property location, property type, and even your credit score should be taken into account when discussing the best loan type. Once an approach is identified, our staff works to ensure the entire process moves forward – from your initial application to the funding of your loan, we are with you every step of the way. Our long history and strong growth is a direct result of our commitment to our clients.
We serve clients throughout the greater San Diego County area. Working by phone, email, fax, and mobile notaries, we utilize every avenue to make things efficient in your refinance loan process. We welcome the opportunity to speak with you about refinancing your house, second home, or investment property. There is no cost to speak with us, and no obligation to move forward after learning about possible loan options for you.
Feel free to contact our branch office by email or call us at 619-894-8943.