Our Services
Purchase
-
Purchasing a home in Washington offers the opportunity to invest in a vibrant, growing market with diverse communities and strong long-term value, and our team is here to guide you through every step of the process—from pre-approval to closing—with clarity and confidence.
-
The home purchase process begins with getting pre-approved to understand your budget, followed by finding the right home and making an offer. Once your offer is accepted, your loan goes through underwriting, appraisal, and final approval. The process concludes at closing, where you sign the final documents and receive the keys to your new home.
-
Down payments and closing costs are key parts of buying a home, and the amount you need can vary based on the loan program you choose. We help you explore options with low or flexible down payment requirements and clearly explain expected closing costs, so we can find the right program that supports your goals and fits what you’re comfortable putting down.
Refinance
-
Refinancing a home allows you to replace your current mortgage with a new loan to potentially lower your interest rate, reduce monthly payments, or access your home’s equity. We help you evaluate your goals and find the right refinance option to improve your financial position.
-
The refinance process involves reviewing your current mortgage, evaluating your financial goals, and selecting a new loan that better fits your needs. From application to closing, we guide you through each step to ensure a smooth and efficient transition into your new mortgage.
-
Lower interest rate
Lower monthly payment
Cash-out for home improvements, debt consolidation, or investments
Shorten or change loan term
Schedule a Meeting
Book an appointment with a Pacifica Mortgage Lending professional to receive personalized guidance tailored to your home financing goals. Our experienced team is here to answer your questions, review your options, and help you move forward with confidence.
