Creating home mortgage solutions.

Getting a new mortgage to replace the original is called refinancing. Refinancing is done for several reasons, the most common is to obtain a better interest term and rate. The first loan is paid off, allowing the second loan to be created, instead of simply making a new mortgage and throwing out the original mortgage. 

Lower Your Payment

Lowering your mortgage payment is effectively like giving yourself a raise, with more money ending up in your bank account every month. 

"A lower mortgage payment can have a positive impact on your budget."

In today's market, home values are up and rates are low—making it the perfect time to consult with a Sierra Pacific Mortgage professional to see if you qualify for a better rate. Refinancing can be accomplished by lowering your interest rate, extending the term of the loan, or a combination of both. 
 

Consolidate Debt

Life’s unexpected expenses are, well, unexpected. Maybe your washer has sprung a leak, maybe you need a new roof, or maybe school tuition has entered the equation. 

"An advantage of using a debt consolidation loan is the lower interest rate."

Whatever the reason, let us help you regain control over your monthly expenses. Consolidate your debt by refinancing your home. With debt consolidation, you're paying your debts in full. Throughout the term of the loan, your payments remain level. 

Get Cash Out

There are numerous reasons you might be interested in accessing your home's untapped equity. Perhaps you paid in cash to strengthen your original offer, or maybe the rising market has built up equity that you'd like to use in paying off some of your bigger expenses. 

"A cash-out refinance means refinancing for more than the amount you owe."

We make it easy for you to take cash out. Whether you're planning to pay college or medical expenses,  or do a major home remodel, doing a cash-out refinance can be a cost-effective financial move. 

Loan Process

At a glance, the loan process may seem complicated. The good news for you is that we make your involvement as simple as we can.

"Simple steps to owning your home."

With the assistance of one of our loan officers, you can get prequalified and start shopping for your dream home. 

Loan Programs

There are an infinite number of loan types out there so it's important to understand the basics of each of them.

"Your loan is part of your financial future."

Our loan officers are here to assist you in selecting the right mortgage solution for both your short term and long term financial goals.

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