Residential Loan
With over 30 years of experience in the business, you can have peace of mind knowing you are obtaining the best home mortgage refinance loan from us.
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Looking for a low interest home loan mortgage Refinance Loan 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.

Still paying a high interest rate on your mortgage? That extra money should be yours each month. When interest rates are 1% lower than what you are currently paying, it's time to consider a Home Loan Mortgage Refinance Loan. This can mean great savings for you and your family. Replacing your existing mortgage with a new Home Loan Mortgage Refinance Loan , changing the term of your loan, or even consolidating all your debts into this new Home Loan Mortgage Refinance Loan will save you money, both monthly and over the life of the loan. Through the network of refinance lenders, we can specifically design a custom Home Loan Mortgage Refinance Loan quote

Home Loan Mortgage Refinance Loan Include; Customized pricing, Rate Lock - if you choose it, Bad Credit, Slow Credit, Divorce or Past Bankruptcy is accepted. Consolidate all your debts into this new Home Loan Mortgage Refinance Loan within days, not months!

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.


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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