Residential Loan
With over 30 years in the business, we can offer low rates on home mortgage loans and the trusted, expert services that you deserve without the hidden home loan costs.
Call us toll-free at 1-800-595-1474
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Ocean Pacific Capital is a 30-plus year old licensed mortgage broker that offers low rates on home mortgage loans and the trusted, expert services that you deserve without the hidden home loan costs.

Stated Income Mortgages are the most commonly used and least expensive product among the reduced or no documentation loan programs. A Stated Income Mortgage is usually the right choice if you have verifiable employment (self employment is fine) and assets but maybe your verifiable income is just a little low for what you want to do.

After a free analysis of your debt and verified assets, we will assist you in determining the income to be stated on the application to meet the ratio calculation requirements. All other information on the application is verified. The Stated Income Mortgage is the least expensive product if it works for you. If not, a No Ratio or true No Doc mortgage but may be a more appropriate choice. The bottom line is, we can guide you to the least expensive program which will work in your specific situation. We pride ourselves on personalized customer care which is why whenever possible we will meet with you in person at your home, office, or any place of convenience, for a free consultation. Contact us or call 1-800-595-1474 to discuss your situation with one of our experienced and friendly loan officers. Read on for an overview of our loan programs or view our Residential page for more program details.

Premier home loan Financing!

Ocean Pacific Capital's home loan financing department is designed to meet our client's personal and investment goals from both a performance and cost perspective. With flexible home loan financing options, we are able to meet the needs of our borrowers' home loans. Whether you need to refinance your current home loan or need to acquire a purchase home loan, we will structure the most appropriate home loan finance program to meet your needs. To start your short home loan application, click here.

Home Program Overview

Our home mortgage loan program is designed to minimize costs while delivering the best home loan to meet our client's needs. We offer:

  • home mortgage loans starting as low as 1.00%
  • stated income no doc programs
  • home loan mortgage interest only payment option
  • 30-year fixed home loans (No balloon home loan)
  • Cash-out home mortgage loans
  • home mortgage loan payout periods of 3-5-7-10-15-30-40 fixed interest rates
  • 30-day/45 day closing guarantee on all home loans
  • home mortgage loans available for a less-than-perfect credit score (what some people call "bad credit")
  • A high debt-to-income ratio can qualify for home loans
  • home loans available even if you have previous bankruptcy or any other money issues
  • Low-rate home loans, no-point home loans
  • Conforming home loans and non-conforming home loans
  • Full-doc home loans, stated-income home loans, & no-doc home loans

Ocean Pacific Capital's Underwriting
Guidelines

  • Minimum home loan size: $100,000-conforming
  • Maximum home loan size: non-conforming-$10 million
  • Maximum home loan Financing: LTV/CLTV: 95%
  • All types of home loan Financing Available
  • home loan rates start at 1%
  • home loan fixed rate terms: 3-15 Years
  • home loan term: 30 Years
  • home loan lender fees: No cost, zero lender points also available

For up-to-date interest rates, for a free quote on a home mortgage, call us toll free at 1-800-595-1474

Use our web site to apply online, use our mortgage tools, view our loan programs, contact us or learn
more about us!

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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