Residential Loan
For over 30 years, we have been a trusted and dependable mortgage loan company that can offer the best rates.
Call us toll-free at 1-800-595-1474
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Ocean Pacific Capital has been in the Loan business since 1977. We have access to over 130 lenders competing for your business, so you'll have the peace of mind that our refinance Loan rate is the lowest possible for your situation. Simply call us today toll free at 1-800-595-1474 for a free consultation with one of our friendly and experienced Loan officers.

Ocean Pacific Capital is a Mortgage Loan Company that assembles a broad range of permanent and construction mortgage financing for its clients.  The primary focus of this Mortgage Loan Company is mortgage banking through the origination and servicing of primary residence and income property loans. Our Mortgage Loan Company has been in business for over 27 years and has the experience needed to get the mortgage program that is right for you.

This Mortgage Loan Company represents commercial real estate borrowers in obtaining acquisition, construction, interim and permanent mortgage financing for clients on retail, office, industrial multi-family and residential development properties. As one of Southern California's premier Mortgage Loan Companies , Ocean Pacific Capital's staff maintains relationships and representations through a network of commercial and residential banks, insurance companies and conduits in order to arrange the best possible financing for its borrowing clients.

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 "")
  • A high debt-to-income ratio can qualify for home loans
  • 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

For up-to-date interest rates, for a free quote on a home mortgage, call us toll free at 1-800-595-1474

Use our web site to apply online, use our mortgage tools, view our loan programs, contact us or learn
more about us!

We offer a variety of loan application options, including
a Quick Application, a Standard Application, and a 5 Step Application. Click here to get started!

 


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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