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Since 1977, we have been an expert in finding the best home mortgage refinance loan for every type of situation possible.
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Looking for a low home mortgage refinance Loan 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 Refinance Loans 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 Refinance Loans possible for your situtation.

Reasons For Home Mortgage Refinancing - If you clearly understand reasons to obtain a Home Mortgage Refinance Loan, it will help you choose a loan that will meet all your financial goals. Here are some reasons why owners refinance:

It Can Lower Your Monthly Payment

Reducing by 1/2 to 3/4 % will lower your payments on your Home Mortgage Refinance Loan. Otherwise you will be paying too much for every loan payment. One way your payment will be low is if you simply refinance your Home Mortgage Refinance Loan at a low interest rate. You can try to change terms to lower your payments.

Access To Cash

Home equity mortgage is a in a way a savings account that you could access with cash-out on your Home Mortgage Refinance Loan. You could finance a home improvement that will increase the value of your home, or pay for schooling or pay off high interest CC debt.

Home Mortgage Refinance Loan can pay off other debts

The difference between credit card debt and a mortgage could mean thousands of dollars. CC debt is compounded and home mortgage loan rates are simple, and usually tax deductible. Equity can be used for home purchases can save you money in interest in the long run instead of using credit cards.

A Home Mortgage Refinance Loan can convert an Adjustable Rate Mortgage to Fixed Rate

If you plan on living in your home for only a couple of years, paying a higher interest rate for a long term fixed rate mortgage will cost you money. Try refinancing to an Adjustable Rate and pay a much lower amount each month. If you have an adjustable rate mortgage and plan to live in your home longer than couple of years it would be a good move to convert to a fixed rate loan.

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 Refinance Loans
  • 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-Refinance Loan 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 Refinance Loans start at 1%
  • home loan fixed Refinance Loan terms: 3-15 Years
  • home loan term: 30 Years
  • home loan lender fees: No cost, zero lender points also available

Call us toll-free today 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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