Your Mortgage

to Help Plan Your Future


to Help Plan Your Future

Setting Your Refinance Goals

There are as many goals as there are financial situations—and we have you covered. Read on for information based on your objectives
Setting Your Refinance Goals

There are as many goals as there are financial situations—and we have you covered. Read on for information based on your objectives

Get out from under credit cards, student loans, or other forms of debt

Just a small drop in your interest rate can lower your mortgage payment significantly

Tap into your equity for home improvements, retirement, or anything else

Refinancing to a fixed-rate is a great way to stabilize your payment

Refinance an existing VA loan with a streamline refi

Now May be the Time to Refinance

Now May be the Time to Refinance

Let us help guide you through the process

Considering whether to refinance depends on a lot of factors. Your answer to “why” may include wanting to lower your payments, shorten your loan term, or possibly tap into your equity to pay off debt or build a pool in the backyard. Each type of refi has nuances that can affect the type of loan program that is right for you. 

The other big factors are your current loan and your current financial picture. You may have improved your credit score, or received a raise—or even gained enough equity to allow for the removal of mortgage insurance. Maybe your original loan was taken out when you thought you were only staying for a few years, and now it doesn’t make sense for a more long-term commitment. 

Whatever your why is or what your current financial picture looks like, we’re here to help. We offer a complimentary mortgage checkup to all of our clients. We can take a look at all of the factors and then look at the available options in today’s market and make a recommendation for what makes sense for you. That recommendation may be to sit tight for now, or it might mean you can achieve your goals right away. Either way, we have you covered.

We're Here To Help

We’ve got you covered! Explore away with our tools and resources…but know we’re here for you whenever you’re ready to chat.

Calculate Your Options

Our calculators make it easy to compare payments and affordability—give them a try!

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Copyright ©2024 Shining Star Funding A division of American Pacific Mortgage Corporation | NMLS ID # 1850 ( | 6101 Bollinger Canyon Rd #344, San Ramon, CA 94583 Phone (925) 820-2981 | Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.

Interactive calculators are self-help tools. Results received from this calculator are designed for comparative and illustrative purposes only, and accuracy is not guaranteed. Shining Star Funding is not responsible for any errors, omissions, or misrepresentations. This calculator does not have the ability to pre-qualify you for any loan program or promotion. Qualification for loan programs may require additional information such as credit scores and cash reserves which is not gathered in this calculator. Information such as interest rates and pricing are subject to change at any time and without notice. Additional fees such as HOA dues are not included in calculations. All information such as interest rates, taxes, insurance, PMI payments, etc. are estimates and should be used for comparison only. Shining Star Funding does not guarantee any of the information obtained by this calculator.

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