Residential Loan
With over 30 years of experience, we take great pride in offering the lowest home mortgage rates with our access to over 130 lenders.
Call us toll-free at 1-800-595-1474
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Looking for a low home mortgage interest rate quote from a 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.

If you are looking for a low interest home mortgage rate, we can help. We will do the work for you, whether it's making comparisons between Home Mortgage Rates, to looking for loan programs, and origination fees, to closing costs and repayment terms.

The most common type of mortgage program, where your monthly payments for interest and principal never change is in a fixed Home Mortgage Rate . Property taxes and homeowners insurance may increase, but generally your monthly payments will be very stable.

Fixed Home Mortgage Rates are available for 30 years, 20 years, 15 years and even 10 years. There are also "biweekly" mortgages, which shorten the loan by calling for half the monthly payment every two weeks (Since there are 52 weeks in a year, you make 26 payments, or 13 "months" worth, every year.).

Fixed Home Mortgage Rate fully amortizing loans have two distinct features. First, the Home Mortgage Rate remains fixed for the life of the loan. Secondly, the payments remain level for the life of the loan and are structured to repay the loan at the end of the loan term. The most common fixed rate loans are 15-year and 30-year mortgages.

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 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 use 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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