Residential Loan
Since 1977, we have specialized in poor credit home loans for every type of situation imaginable.
Call us toll-free at 1-800-595-1474
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Poor credit? Are you tired of collection agencies or credit card companies harassing you for unpaid debt? If so, utilizing our pooe credit home loan mortgage services is the solution to your problem. You try really hard, but getting decent Poor credit refinance terms can sometimes be a challenge. If you need a poor credit loan refinance, we can help you. Most borrowers assume that they have to have excellent credit to get a low-rate loan or even a loan at all. This is not true. Over the past 28 years, Ocean Pacific Capital has helped all of their clients obtain a loan best suited to their needs at the most efficient and cost perspective, many of which were a poor credit loan refinance.

We offer special poor credit loan programs if you have damaged credit. And if you want to refinance a mortgage with poor credit you need an expert who will help you obtain that poor credit loan. A poor credit home loan is nothing to be ashamed of. Persistence is the key working toward getting approved for a poor credit loan. There are many factors that you, as a borrower have control over that can help you get approved faster and easier for a poor credit loan. There are guidelines that most sub-prime lenders go by that, if you know them, can help you move through the process without getting stuck, unable to get financing. But there are solutions when you want to refinance your mortgage with poor credit or obtain a poor credit loan. The first solution is find a reputable lender or mortgage broker, such as Ocean Pacific Capital, who specializes in poor credit loan refinance situations. If you have a bankruptcy or foreclosure, even if they are recent, do not despair. You can still acquire a poor credit loan and Ocean Pacific Capital can help. Sub-prime or poor credit loan mortgage lenders will look closely at your credit score, but Ocean Pacific Capital will not only help its borrowers obtain that poor credit loan, but by doing so, allow the borrower to get extra cash out and fix their credit score. In order to get 100% financing for a poor credit home loan, lenders will usually need to see you have a credit score of at least 600 or higher.

Many poor credit home loan mortgage brokers claim that if they can't do the loan, then no one can offer a poor credit loan. That is simply not true. Even if you have been turned down before, Ocean Pacific Capital can still help you obtain that poor credit loan. What may be impossible with one, can be very possible with another broker. poor credit loan programs are a great way to work on your credit and gives you leverage you need to avoid bankruptcy or poor credit. Having poor credit does not mean you have to miss out on the opportunities available to everyone else. Call us today at 1800 595-1474 to find out more information on our poor credit loan programs!

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

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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