Residential Loan
With over 30 years of experience, OP Capital specializes in providing no income verification loan programs in all of California and Colorado.
Call us toll-free at 1-800-595-1474
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Are you looking to refinance or get a purchase loan with no income verification? We have at our disposal a wide selection of no income verification loan programs, so even if you have damaged credit we can find an appropriate no point loan program for you. 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.

This is a non-conforming loan program, which does not require any type of income verification if the Borrower has excellent credit and 4-6 months of stated income in liquid reserves. These loan programs carry a slightly higher interest rate than conforming loans, and are especially useful for people who are self employed, commissioned, or receive unearned income (i.e. investments). Income is not requested or verified with as little as 10% down are stated income loans. There are numerous selections of the "no-doc" loan program today. The type of loan program that is best suited for a particular borrower depends on that borrower's situation. Some borrowers choose not to disclose income, employment, or asset information, while others may be willing to disclose employment and asset information but not income. Yet others may be disposed to disclose income but opt for a loan program that doesn't calculate debt-to-income ratios, allowing those borrowers to exceed the traditional guidelines in order to qualify for a larger mortgage amount. With all the diverse variations of the no-doc loan, there is definitely a mortgage program for today's non-conventional borrowers.

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

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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