Optimize Your Mortgage With Clear, Transparent Execution
Whether your goal is reducing your monthly payment, accelerating payoff, or tapping accumulated home equity, Pacific Financial Group guides you through every phase of our proven 15-step refinancing process.
Direct Mortgage Banking • Experienced Advisory
No automated call centers. Work directly with experienced Irvine specialists.
Why Refinance Your Mortgage Today?
A refinance should always provide measurable value. We review your overall financial objectives to ensure any restructuring makes sound economic sense.
Lower Your Monthly Payment
Take advantage of favorable rate environments to decrease your monthly housing commitment, freeing up capital for savings or other household priorities.
Shorten Your Loan Term
Transition from a 30-year to a 15 or 20-year mortgage to pay off your home significantly faster while saving tens of thousands of dollars in lifetime interest charges.
Cash-Out Home Equity
Convert your built-up home equity into liquid funds for home improvements, college tuition, high-interest debt consolidation, or real estate opportunities.
Eliminate Private Mortgage Insurance
If your property has appreciated and your loan-to-value ratio has dropped below 80%, refinancing enables you to eliminate unnecessary monthly PMI fees.
Our Detailed 15-Step Refinancing Roadmap
We eliminate guesswork from refinancing. From your initial exploratory consultation through closing and cash distribution, here is exactly how we deliver results.
Check if there are benefits
Senior Mortgage Banker discusses all of the options with Client and determines that a true benefit exists in a refinance.
Gathering documentation
Client gathers financial documentation and submits to Senior Mortgage Banker for the pre-qualification and loan approval.
Likelihood of qualification
Senior Mortgage Banker gathers all of the financial documentation and does a preliminary analysis to determine likelihood of qualification.
Lender selection
Once Pre-Qualification has been established, the documentation is submitted to the most beneficial lender for the client.
Client file received
Client’s file is received by lender and Underwritten through Fannie Mae’s Electronic Underwriting System.
Interest rate lock or float
Based on market trends, the interest rate is either floated or locked at client’s request.
Title & escrow opened
Escrow is opened and Title is ordered.
Schedule appraisal
Appraisal is ordered and the lender schedules with the client.
Conditional loan approval
Client’s file receives a loan approval with outstanding conditions.
Processing & review
Client’s file is put in line for processing and is delivered to a Senior Processor.
Loan documents prepared
Once outstanding conditions are met, Client’s loan is put in line for loan documents.
Signing the documents
Client signs loan documents with a notary and loan moves to funding stage.
Clear to close & rescission
Once funding conditions are met and there is a clear to close, the Client’s 3-day right of rescission begins.
Funding & title recorded
Once 3-day right of rescission expires, loan funds and title is recorded.
Loan package & cash-out delivery
Client receives loan package from escrow and funds if the loan was cash-out.
Begin Your Refinance Evaluation Today
Connect with our Irvine mortgage bankers to discuss your existing loan terms, current home value, and desired targets. We will quickly prepare a detailed break-even analysis.
Direct Inquiries
949-427-2587Licensing
NMLS #655576 • CA DRE Licensed
Request A Refinance Analysis
Submit your current loan details and property address to get started.