Residential Loan
With our access to over 130 lenders, you can have the peace of mind knowing that you will get the lowest rates for your home owner loan.
Call us toll-free at 1-800-595-1474
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Looking for a free low interest home owner 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 Refinancing 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 Refinancing Loans possible for your situtation.

Hundreds of companies provide home owner loans. It is a benefit to arrange home owner loans through a qualified broker.  You can compare the rates of thousands of home owner loans with us . But always remember that the interest rates are only one of several cost components in most home owner loans. All home owner loans have terms and conditions so always find out if any special fees or charges apply and if you will have to take out insurance alongside your new loan.
 
Why are home owner loans among the most popular methods of borrowing?
There is no doubt that a home owner loan is a cost-effective way of borrowing money. If people have equity in their homes but have credit card or other debts, they will be better off by consolidating their debts into affordable home owner loans.

Why do people seek home owner loans?
People want home owner loans for a variety of reasons including: To improve or extend their homes, to buy a home, to buy a second house, or even a buy-to-let investment property. You may also buy expensive one-off items such as a car or vacation.

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 Refinancing 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 Refinancing 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-Refinancing 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 Refinancing Loans start at 1%
  • home loan fixed Refinancing 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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