Galen Elise Call, CRMP. Certified Reverse Mortgage Professional Monterey California

Galen Call, a Certified Reverse Mortgage Professional (NMLS 226129, 1850), assists qualified homeowners with reverse mortgages within a 75-mile region in the Monterey Peninsula and surrounding areas. Geographic areas served by Galen are listed below.

MONTEREY PENINSULA
• Monterey
• Pacific Grove
• Pebble Beach
• Carmel
• Big Sur
• Marina
• Seaside

SALINAS AREA AND NORTH
• Salinas
• King City
• Santa Cruz
• Aptos
• Watsonville
• Hollister
• San Juan Bautista

SAN JOSE AREA
• San Jose
• Los Gatos
• Cupertino
• Saratoga
• Campbell
• Gilroy
• Morgan Hill

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galencall August 27, 2014

Refi or Wait? How to Choose Between Refinancing Your Mortgage Now or Waiting Until You Need the Money

For those homeowners who have lived in their home for more than a few years, pulling equity out of the property is a tempting potential benefit. However, with property values and interest rates adjusting frequently, you may wonder if now is the best time to refinance your mortgage.

Copyright © 2025 American Pacific Mortgage Corporation. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies are subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans are subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity.

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