Residential Loan
OP Capital has access to over 130 different home loan mortgage lenders who compete for your business. This insures we can give you the lowest home loan mortgage quote possible.
Call us toll-free at 1-800-595-1474
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Looking for a low interest home loan mortgage Quote from 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.

Win as a First Time Buyer with a New Home Loan Mortgage Quote. As a first time homebuyer, you are probably both excited and nervous. But a Home Loan Mortgage Quote can provide you with a new Home Loan Quote that will help you eliminate wasted rental payments, build equity, and fulfill your dreams of owning your own home. By matching your criteria up with 100's of possible lenders, we will find the new Home Loan Mortgage Quote for you!

Get Zero Down Payment with a New Home Loan Mortgage Quote Many people believe that they need between 5% and 20% to put down on a new home. But there are many loan programs available that can get you into your dream home with a 0% down - and they'll even pay your closing costs. You can own a beautiful home in a desirable neighborhood regardless whether you have very little or zero money for a down payment because your Home Mortgage Loan will connect you with lenders that specialize in providing new Home Loan Mortgage Quotes with zero down payment!

Forget About Bad Credit with a New Home Loan Mortgage Quote Made some late payments on your bills? Missed a couple of them, just trying to stay caught up? With a new home loan mortgage Quote from one of our experienced lenders, all competing to get you the best Quote available, you can purchase a home only two years after a bankruptcy or three years after a foreclosure! So let Ocean Pacific Capital search through hundreds of mortgage lenders to find you the Home Loan Mortgage Quote that perfectly meets your individual needs.

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 application form.


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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Today's Home Buyer News

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