Pacific Financial Services

Starting a new 30-year mortgage term isn't necessary to refinance into today's low rates. With a YOURgage, you can stay on track with your current term or even pay off your mortgage more quickly. NMLS#246599

32% of non-homeowners say their limited income is a factor holding them back from saving from a downpayment. What do you think is holding you back? #thehelpfulagent #home #houseexpert #downpayment #listreports #realestate #househunting #realestateagent

YOU’RE FREE TO FIND THE BEST DEAL ON A NEW MORTGAGE Right now, we’ve got access to some of the lowest rates in the country along with great loan terms and fast closings. Let us help you get you into the home you’ve been longing for.

Why pay a higher rate when you don’t have to? We shop around at multiple lenders to find you lower rates and monthly payments!

We offer virtual e-closing on your new home loan or refi, meaning you can finalize your loan directly from your own living room, no travel required! DM us to learn more.

Tired of rent that keeps rising? With a fixed-rate mortgage your payment can never change. When you’re ready for monthly payments you can rely on, give us a call. We’re here to help!

Save thousands over the life of your loan with PMI Advantage. Plus claim additional interest on tax returns. NMLS #246599

Still living at home, but looking for your first home? We can help! Did you know you could put as little as 3% down? We can work with you to find the best financial solutions. NMLS # 246371

Last Week in Review ... Right now, the biggest news story to follow is the U.S. and China trade negotiations. This past week, home loans started inching higher but were "saved" momentarily midweek when reports came out suggesting a delay of a "phase one" trade deal signing. Remember that Bonds and home loan rates like bad news, so a disruption or delay of the trade signing was the reason for rates to improve off the worst levels midweek. However, come Thursday, word that both the U.S. and China would roll back tariffs as a deal gets put together was very good news which pushed Stocks to all-time highs at the expense of Bonds and home loan rates. Even with the recent uptick, home loan rates are at the same level they were at back on July 31st when the Fed cut rates for the first time in 10 years. The Fed has since cut rates two more times and home loan rates have not improved any further. A word of caution: long-term rates like mortgages can move up very fast, and it is in a complacent environment like today when things suddenly change. Using history as an example, the 10-year Note yield has traded at 1.40% or lower on three separate occasions in the past seven years. In the two previous times -- 2012 and 2016 -- the 10-year yield quickly spiked to 3% and 2.75% respectively in just six months. This sharp move higher in yield also weighed on home loans, which also rose sharply. Bottom line: if you or someone you know is considering a new mortgage, now may be an opportune time before this window closes.

Now could be the time to refi!

Call us today and let’s chat about the different loan options!!

Choose any term from 8-30 years Customize the loan to fit your budget Potentially save thousands of dollars in interest

We're home to hundreds of mortgage options not just two or three. Call us today to get expert advice about the home buying process!

You could get into your new home in 15 days or less! Give us a call today and let's get started!