It's safe and easy—maximize savings by purchasing now and refinancing later.

Benefits of the PacRes Buy Now, Save Later Program

Financial Freedom. Secure your dream home without fixating on rates. With the PacRes Buy Now, Save Later Program, you can purchase your home with confidence knowing you have the flexibility to refinance when rates drop.

Significant Savings.
Seize the opportunity to save thousands down the line. When market rates decrease, take advantage of our streamlined refinance process to lower your rate and reduce lender fees*, putting more money back into your pocket.

Tailored Guidance.
Navigate the home loan process seamlessly. We provide personalized guidance and support to ensure you make informed decisions at every step. Click here to connect with your neighborhood Mortgage Advisor.

3 Easy Steps to Get Started

Apply Now

Get pre-approved with your PacRes Mortgage Advisor and find a home.

Close Now

Close the purchase loan with your PacRes Mortgage Advisor and celebrate.

Refinance Later

When rates drop, reduce your interest rate and save on lender fees with a streamlined refinance.
Say goodbye to financial stress and hello to your ideal home. Purchase with confidence today, knowing you have the flexibility to secure a better rate in the future!

Have questions or are curious to learn more?

Don’t hesitate to reach out!

*Waived fees include processing, underwriting, and appraisal. This offer is contingent upon no significant adverse changes in the financial profile or adverse property condition/value. To be eligible, applicants who meet the qualifications must finalize the purchase transaction before 3/31/24.

Benefits >

The rewards of great work

PacRes offers competitive compensation with great benefits designed to support your personal wellbeing.

Find your branch