Looking for a home loan mortgage company that you can trust? 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.
What a Home Loan Mortgage Company like ours can offer you is the piece of mind that we will guide you step-by-step of your loan approval process. When going to a Home Loan Mortgage Company like ours, there is no red tape. That's why we can pre-qualify you in as little as 24 hours, and close your loans in days, not months! Here's what happens:
Contact your Ocean Pacific Capital specialist to discuss you needs and fill out a quick application form. Your Personal Home Loan Mortgage Company Specialist will then contact you to assess your situation and determine your financial goals. Based on the information collected and your credit report, your Personal Home Loan Mortgage Company Specialist will customize a loan, which is tailored to your specific situation. Your Personal Home Loan Mortgage Company Specialist will request financial documents, set an appointment for an appraiser to assess the value of your home and do all of the necessary paperwork for you. With your application now complete, you Personal Home Loan Mortgage Company Specialist will notify you when your loan is approved and your loan documents are ready to be signed.
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 form.