When you refinance your mortgage, you can lower your monthly payment, cash out, or shorten the length of your loan. Learn more about your various qualifying rates and options. We make the process so comfortable and convenient for obtaining a reverse mortgage that we have many referrals and returning clients. Give us a call and become part of the Pacific Sky Mortgage family today.
Find out what documents are required to obtain a mortgage or learn the step-by-step process. Our leading mortgage specialist has over 30 years of experience helping clients finance their dream homes, leading to many referrals and returning clients. At Pacific Sky Mortgage, we aim to help each client meet his or her home needs.
Find out what documents are required to obtain a mortgage or learn the step-by-step process. Our leading mortgage specialist has over 30 years of experience helping clients finance their dream homes, leading to many referrals and returning clients. At Pacific Sky Mortgage, we aim to help each client meet his or her home needs.
Services
Our mission is to provide you with the best rates at the best price with the best service.
Integrity, honesty and product knowledge are the key components to finding the right mortgage lender.
Trust is fundamental because your home might be the single largest investment that you have.
At Pacific Sky Mortgage, doing the job right and treating the customer as we would want to be treated is incredibly important.
James has over 30 years of experience helping clients finance their dream homes, leading to many referrals and returning clients across California.
Integrity, honesty and product knowledge are the key components to finding the right mortgage lender.
Trust is fundamental because your home might be the single largest investment that you have.
At Pacific Sky Mortgage, doing the job right and treating the customer as we would want to be treated is incredibly important.
James has over 30 years of experience helping clients finance their dream homes, leading to many referrals and returning clients across California.
Whether you are in the search for your next residence or an income property, you will want to be prequalified and preapproved.
These days Sellers and their Agents are demanding to see that a Buyer is qualified to purchase their property.
We will make the process as easy and stress free as possible.
Let's go through all the steps together and see if purchasing makes sense for you.
Why rent when you can own?
It is possible that with the tax advantages of home ownership a mortgage payment can be similar to a rental payment.
These days Sellers and their Agents are demanding to see that a Buyer is qualified to purchase their property.
We will make the process as easy and stress free as possible.
Let's go through all the steps together and see if purchasing makes sense for you.
Why rent when you can own?
It is possible that with the tax advantages of home ownership a mortgage payment can be similar to a rental payment.
Whether your property is your residence or an income property, you may benefit by checking your interest rate and compare it with the current market rates.
A refinance has to make sense.
Is there a significant monthly savings?
Does the cost of the loan justify the monthly savings?
What is the break even point?
Pacific Sky Mortgage will give you an honest assessment of your situation.
With the recent increase in home values, this may be the right time to lower your interest rate and pull cash out.
A refinance has to make sense.
Is there a significant monthly savings?
Does the cost of the loan justify the monthly savings?
What is the break even point?
Pacific Sky Mortgage will give you an honest assessment of your situation.
With the recent increase in home values, this may be the right time to lower your interest rate and pull cash out.
A reverse mortgage does not have to be repaid until you sell, move or no longer live in your home.
During the application process, you'll receive a clear and detailed breakdown of all fees and closing costs, including the total loan costs over the projected life of the loan.
Although a Reverse loan is not due until the borrower permanently vacates the home, it can be paid off at any time, with no additional fees.
This is determined by the age of the youngest borrower, or eligible Non-Borrowing Spouse, your home value, the amount of equity, FHA lending limits, the current interest rate, and the reverse mortgage product and payment option you choose.
During the application process, you'll receive a clear and detailed breakdown of all fees and closing costs, including the total loan costs over the projected life of the loan.
Although a Reverse loan is not due until the borrower permanently vacates the home, it can be paid off at any time, with no additional fees.
This is determined by the age of the youngest borrower, or eligible Non-Borrowing Spouse, your home value, the amount of equity, FHA lending limits, the current interest rate, and the reverse mortgage product and payment option you choose.
Fixed rate mortgages have been very popular the last few years as interest rates have stayed historically low.
A true fixed rate mortgage is one which keeps the same interest rate throughout its entire amortization period.
The 30 year fixed rate mortgage is the most prevalent program, but other popular terms are the 15 year and 20 year fixed rate mortgages.
We are now able to offer any term that a client wants and qualifies for.
Let's say that you have only 23 years left on your current mortgage and you do not want to start over.
A true fixed rate mortgage is one which keeps the same interest rate throughout its entire amortization period.
The 30 year fixed rate mortgage is the most prevalent program, but other popular terms are the 15 year and 20 year fixed rate mortgages.
We are now able to offer any term that a client wants and qualifies for.
Let's say that you have only 23 years left on your current mortgage and you do not want to start over.
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