Residential Loan
OP Capital has been in the mortgage refinance business over 30 years. We specialize in getting a home loan for people with bad credit. With access to over 130 different lenders we can find a great low interest loan despite your bad credit.
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Looking for a home loan but have bad credit? Ocean Pacific Capital is a 30-plus year old licensed California and Colorado home loan mortgage company that offers low rates on home mortgage loans and the trusted, expert services that you deserve without the hidden home loan costs. We have access to over 130 lenders competing for your business, so with us you'll have the peace of mind of knowing you're getting the lowest rates possible for your situtation.

We offer a variety of home loans for people with bad credit to suit your special needs. We can walk you through all the necessary steps with ease. If you have a past bankruptcy and need to qualify for a home loan for people with bad credit, we can help. If you already own a home loan, and need a consolidation for debts, we offer home loans for people with bad credit. We can help you with cashing out on your home equity and need a new home loan for people with bad credit. In addition to these services, we also offer 2nd mortgages, and refinances to get into a home loan desired for people with bad credit.

Your credit report may be full of dings, compounded with a history of foreclosure and bankruptcy, but you may still get a home loan, for people with bad credit. It doesn't matter whether you have charge-offs, collections, or tax liens on your credit report, as long as you can meet the specific guidelines for loan approval specialized in the credit-damaged borrower programs and you will obtain a home loan for people with bad credit. The lending industry uses categories to evaluate the credit risk of any particular borrower. If the property checks out and you have sufficient income a home loan for people with bad credit is ok.

The following is an overview of our loan programs. For more details please visit our residential page.

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%
  • 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
  • No Points No Fees Loan Programs
  • 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

Call us toll-free at 1-800-595-1474 or fill out our online loan application.


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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