Do you know what a mortgage refinance can do for you? Refinancing can be a great tool to increase your monthly cash flow by resetting your mortgage terms with a lower interest rate, or an extended term to lower your monthly payment. Refinancing can also be a helpful tool to restructure existing debt, or consolidate your first and second mortgage into one.
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The refinance process is similar to when you first got financing for your home, and many of the costs will be the same, if not lower.


Our team will help you determine what you want to accomplish with your refinance, and let you compare loan programs side by side. Once you have selected the program that best suits your needs, you will apply for a new mortgage loan.


When you apply for a refinance, you will provide personal information to the lender verifying your personal assets and debt. To expedite the process, you will want to start gathering the following items for all borrowers on the loan:

  • Income Statements: W2’s from the last two years, or signed copies of the last two year’s tax returns if self-employed. Self-employed borrowers should also bring profit/ loss statements or balance sheets for the current year

  • Asset Information: Most recent bank statements, most recent 401ks, IRAs, mutual funds and securities account statements

  • Current Mortgage Information: Contact information for the original lender, a copy of your current payment coupon, and the outstanding mortgage balance on the existing loan

  • Homeowner’s Insurance: The name of your Homeowner’s insurance company and their contact information

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Belfor Team/American Pacific Mortgage - 845 Olive Avenue Suite 208 - Novato - CA 94945. NMLS 398359.

                © 2020 American Pacific Mortgage Corporation. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Licensed by the Dept. of Business Oversight under the CRMLA. CA DRE #01215943. NMLS 1850. Equal Housing Opportunity.