Looking to do a quick, low interest home loan Refinancing from a mortgage company that you can trust? Ocean Pacific Capital is a 28-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.
A Home Loan Refinancing lets you tap your home equity to get the cash you need. It can be a great way to pay for home improvements, consolidate debt, or make a large purchase.
How Home Loan Refinancing
A Home Loan Refinancing replaces your current mortgage with a new loan. Your new mortgage pays off your old one, and you receive remaining loan amount in cash should you ask for it. That cash comes out of the equity you've built in your home.
Because it lets you borrow from your equity, Home Loan Refinancing is similar to a home equity loan. The major difference is that a home equity loan doesn't pay off your first mortgage-it gives you just the cash you want, which you repay along with your mortgage.
Benefits of Home Loan Refinancing
Borrowing against the equity you've built in your home is generally cheaper than other types of financing, and it has tax advantages as well. Credit cards and personal loans usually have much higher rates than home loans, and the interest isn't tax-deductible.
A Home Loan Refinancing may also reduce your monthly mortgage payments, if the loan term is longer than the remaining term on your existing mortgage. Depending on the new interest rate and loan balance, you may be able to save money each month by spreading out your payments over a longer period of time.
Te get started simply apply for a free quote here or if you prefer give us a call toll free at 1-800-595-1474 for a free consultation with one of our experienced and friendly loan officers.
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.