California Conventional Refinance

Is your current home loan interest rate competitive?

A lower interest rate means a lower payment, paying off your loan faster, or both.

It never hurts to see what rate you can qualify for. If you’ve owned your home for a while, chances are good you may benefit by refinancing your home.



Call us for a personalized rate quote!

What is Refinancing?
Refinancing simply means taking out a better loan and paying off your existing one. There are many reasons you might want to refinance. For example, you may want to:

• Get a lower interest rate
• Pay off a balloon payment
• Lower your payments
• Pay off your loan faster
• More flexible payment terms
• Spread out your payments over a longer period of time
• Convert from an adjustable rate mortgage to a fixed mortgage
• Convert home equity to cash (“cash-out refinancing”)

The last option, converting home equity into cash, is an incredibly flexible option: You can use the cash for any reason:

• Pay college expenses
• Pay for improvement and renovations
• Consolidate debt (debt-consolidation)
• Divorce

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Get Started Today!

“The team…are absolutely incredible to work with. They were very patient and thorough in explaining the mortgage process to us as we are first-time homebuyers and were amazingly efficient and accurate as to their proposed timeline and what would happen, when. I felt very comfortable and confident using their services and I would highly recommend them to anyone looking for a mortgage broker. Thank you so much for helping us get into our first home. We are over the moon!”

-Nicole D.

With Pacific Home Loans’s competitive rates, exceptional service, and digital mortgage process your home loan is in the best hands. If you’re interested in learning more about the opportunities offered by refinancing, call or e-mail us today and speak to one of our Orange County, California refinance specialists for more information.

Apply Online Now.

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