Residential Loan
With our 1 percent loan programs you can make low monthly payments, resultingin increased cashflow. The 1 percent gives you the freedom to leverage the equity in your home.
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With our 1 percent loan program you can have the freedom to choose what type of payment you want to make for the month. Starting with a rate of 1 percent, this program gives you 4 different options to choose from starting with the minimum payment; covering part of your interest rate, full interest payment, principal and interest payment amortized over 30 or 40 years, and lastly the full principal and interest payment amortized over 15 years.

There are many benefits associated with taking out this type of mortgage. They allow young or first time buyers to take advantage of a developing real-estate market, giving them the opportunity to afford a slightly higher priced house. Before taking out an interest-only mortgage, there are few things that must be take into consideration. While the idea of only paying interest for the next few years may seem tempting, you have to remember that when the interest-free grace period is finished, you will have higher payments than you would have with a traditional mortgage. Many young couples do not account for this, and just assume they will be making more money in the future, not anticipating that they may face financial hardships, thus putting their home at risk. While there are many advantages to taking out an interest-free mortgage, it is important to remember that the grace period will not last forever and that the monthly payments will eventually go up. As long as you make financial plans for the future, taking advantage of an interest-only mortgage could allow you to increase your financial well-being, bringing you peace of mind.

Ocean Pacific Capital is a 30-year old licensed home loan mortgage company that offers low rates on home mortgage loans along with the trusted, expert services that you deserve without the hidden home loan costs. Whenever possible we will meet with you at your home, office, or any convenient location to present to you a free, no-pressure mortgage analysis. Our experienced loan officer can guide you through the entire loan process so you can avoid the pitfalls of getting yourself into a loan that isn't appropriate for your situation. Contact us today to see if an interest only mortgage is right for you.


Whatever your financing needs,
we will tailor a loan that's right for you.

 
Rate Est. APR
30 Year Fixed
5.000% 5.094%
15 Year Fixed
4.75% 4.911%
3/1 ARM
4.25% 4.340%
3 Year Interest Only
4.375% 4.465%
*may include points
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