Residential Loan
For over 30 years, OP Capital specializes in obtaining low interest fixed rate mortgages for it's valued clients, regardless of their credit.
Call us toll-free at 1-800-595-1474
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A mortgage loan where the interest rate on the note remains constant throughout the length of the term is known as a fixed rate mortgage. The most common terms of the loan are 15-year and 30-year, but shorter and longer terms are available. The loan is usually more expensive than an adjustable rate mortgage loan, and because of the interest rate risk, longer term loans will have a higher interest rate than shorter term loans. Unlike an ARM, there is no shock with the payments because the borrower knows how much the cost of each payment will be.

The main advantages of the loan are for people who prefer the same payments over the life of the loan, those who are on limited or fixed incomes, those who plan to stay at their home for a very long period, and those who are buying a home when the interest rates are relatively low.

Ocean Pacific Capital has been in the mortgage business for 30 years. Fill out our online application or call us toll-free at 1-800-595-1474.


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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