Do you need a loan to purchase, build, or refinance a panelized manufactured home? Ocean Pacific Capital has been in the mortgage business since 1977 and has the experience to find a Panelized home mortgage program that fits your unique situation. We have access to over 130 lenders so you'll have the peace of mind of knowing we've found you a loan with the lowest interest rate possible.
Panelized home, modular homes, manufactured homes and log homes are known as system built homes, a systems built home is built in a factory or manufacturing facility and then transported in sections to your site where a local builder or company representative puts the sections together. These components include wall panel framing (interior and exterior), (pre-cut log systems for log homes) pre-marked floor system, roof truss framing, pre-built interior stairs, and many other assembled components. The home can be one of many model plans or your own custom design. You get contemporary or traditional homes using high technology resulting in precision construction.
There are several advantages to these types of panelized homes such as:
Reduced labor cost, material waste, and on-site construction time due to quick, and simplified construction.
Interest savings from reduced construction completion and move-in.
Reduce cost overruns from unforeseen circumstances such as time and cost delays caused from inclement weather and shortage of qualified subcontractors.
Automated process and controlled environment create homes of consistent high quality.
Continuous in-house and third party inspections at the manufacturing facility.
Dry-in stage can be reached in days rather than weeks or months.
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
- 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
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!