Keep Your Payments

From Rising

Keep Your Monthly Payment From Rising

Get peace of mind from a stabilized mortgage payment

Keep your payments from rising and secure a fixed or new lower rate.

Did you select an adjustable rate mortgage for its extremely low payment and amazingly low initial interest rate? An ARM is an ideal loan program for many home buyers, but the initial rate period offers the most benefits for only a determined amount of time.

If you have reached the end of your initial fixed low interest period, you can take control over your payments and get the stability of a new rate for the next 5, 10, 15, or even 30 years.

The length of time you plan on staying in your home is the biggest factor in selecting a loan program designed to stabilize your mortgage payment.

Wondering what your new monthly payment could be? Our mortgage calculator can show you how much a new loan can save you each month, so you know how to budget and plan for your future. Apply online today to stabilize your payment.


Planning on staying in your home for 10 years or longer?

Consider a fixed rate mortgage. The long term stability of a fixed rate makes it our most popular loan option. Lock in a competitive rate, and budget around a monthly payment that will remain the same for the life of your loan. A 15-year fixed rate will pay your home off faster, while a 30-year fixed rate will provide a lower payment each month.

Planning on staying in your home for the next 5 -10 years?

Refinancing into another adjustable rate mortgage may allow you to lock in a lower interest rate typically with a 5, 7, or 10 year fixed period. ARMs generally provide a much lower interest rate for this initial fixed period, making it a valuable tool when your goals for the home are short-term. This gives you the dual benefit of a stable monthly payment with higher monthly cash flow.

Contact Us

Scott Hill Team
NMLS# 309812 | CA BRE 01332532

American Pacific Mortgage
3190 S. Bascom Avenue
Suite #100
San Jose, CA 95124
(408) 626-0394
Fax: (408) 558-4421

Get a FREE Rate Quote

Call or Text 408-626-0394



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American Pacific Mortgage 3190 S. Bascom Avenue Suite 100 San Jose, CA 95124

Phone: (408) 626-0394 | Fax: (408) 558-4421 | E-mail: