Saving Big with True Zero Cost Advantage!

Refinancing or buying a home is a thrilling chapter, but the mortgage jungle can leave you feeling lost and financially vulnerable. Hidden fees, confusing terms, and surprise costs lurk around every corner, making it hard to compare rates and secure the best deal.

Is it possible to get lowest rate possible and still avoid ALL closing cost?

The simple answer is yes.  Lets us explain. 

The Costly Labyrinth of Typical Closing Costs:

Hold onto your wallet, because these common fees can add up fast:

    • Origination Fee: 1-5% of your loan amount, averaging $3,000 – $15,000.

    • Title Insurance: $500 – $1,500.

    • Appraisal Fee: $300 – $500.

    • Credit Report Fee: $30 – $50.

    • Government Recording Fees: Vary by state, often around $100 – $500.

    • Flood Certification Fee: $30 – $100, if applicable.

    • Taxes and Prepaids: Varies depending on property taxes and insurance, but can easily reach several thousand dollars.

The Comparison Conundrum:

Focusing solely on interest rates without considering closing costs is like comparing apples and oranges. A lower rate might have hidden fees, while a higher rate could translate to lower closing costs. This lack of transparency leaves you vulnerable to surprises and financial strain.

Simple Solution:

We shatter the confusion with Our Iron-Clad Best Rate Guarantee Every single closing cost listed above is covered by us, saving you an average of $5,000 – $15,000 at closing! No out-of-pocket expenses, no hidden fees, just complete transparency and a commitment to your financial well-being. 

How ZERO cost loan works:

A True Zero Cost Mortgage lets you avoid out-of-pocket closing costs by covering them through a lender rebate. Here’s how it works:

  1. Lender Rebate Covers Closing Costs: Mortgage brokers receive lender rebates based on the interest rate selected. Higher rates yield larger rebates, which can fully cover closing costs.

  2. Access to 240+ Lenders for Maximum Savings: With access to over 240 lenders, a skilled broker can find the lender offering the highest rebate, allowing you to cover closing costs while still locking in a lower interest rate than your current lender.

  3. Competitive, Low-Cost Financing: By matching you with lenders that offer the highest rebates and lowest rates, brokers can help you secure a cost-effective loan without paying closing costs upfront.

Typically getting a zero-cost loan means settling for a higher rate. But with this approach, by finding the best lender with the highest rebate, you get both: 
Zero costs and Best rates.
 

This approach maximizes your savings by leveraging a wide range of lenders, ensuring you get competitive rates with zero cost.

No cost is added on your loan and no cost is out of your pocket.

Case Study:

Adam refinanced his home to cash out $50,000 for renovations through a zero-cost loan program. His original lender had quoted $3,500 in closing costs. By opting for the zero-cost loan, he avoided these fees completely while getting lowest rate possible.

Key Details:

  • Original loan: 4.75% APR with $3,500 closing costs.
  • Zero-cost loan: 4.85% APR, $0 closing costs.
  • Monthly savings: $250, with no surprises at closing.

No Risk/Surprises: Unlike traditional lenders, Adam had full transparency with Clear Pacific, ensuring that the costs didn’t creep up at the last minute.

Embrace the Power of True Zero Cost Mortgage:

    • Effortless Comparison: Our zero-cost structure levels the playing field, allowing you to focus solely on interest rates and easily compare lenders for the best overall deal.

    • Freedom to Refinance: No closing costs mean you can take advantage of lower rates whenever they emerge without any financial penalty. It’s like a free “refresh” button for your mortgage, ensuring you always enjoy the best possible terms.

    • Peace of Mind Guarantee: What you see is what you get. No sticker shock, no unexpected charges, just complete transparency and accountability for a stress-free mortgage experience.

    • Automatic Rate lock: With our innovative system, closing costs are no longer a barrier to shopping around. That means you can focus on finding the best rate without any financial pressure or time constraints. And the best part? Our system automatically locks in your desired rate the moment it’s available, even if market interest rates fluctuate.

Bonus Tip: Please review our Free Float Down Option Mortgage for added advantage to insure you always have best rates.

We believe in honesty and fairness, so you can rest assured that we’ll always have your best interests at heart.

Get a Free Quote and Start Saving:

Book a No commitment 7 minute appointment below and take the first step towards a simpler, more affordable mortgage journey with Clear Pacific Capital. Let us guide you through the maze and help you achieve your homeownership dreams with confidence.

Book here

7 Minutes. No commitments. Just valuable information

In a nutshell, here are Benefits of our services:

    • Best Rate Guarantee: We shop for best rates and cashback offers from all top 120 banks/lender here in California based on your situation.

    • 98% approval rate: Get your loan approval right on your first call.

Remember, a smooth mortgage journey starts with Clear Pacific Capital. Let us be your compass to financial freedom.