Residential Loan
For over 30 years, our priority has been to find the lowest interest refinance home mortgage rate for your unique situation.
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Looking for a free, no obligation refinance home mortgage rate quote? 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 home mortgage 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.

The first thing the borrower needs to consider when refinancing is, "Would getting a refinance Loan be worth it?" Refinancing can be worthwhile, but it does not make good financial sense for everyone. A general rule is that a refinance home loan becomes worth your while if the current interest rate on your loan is at least two percentage points higher than your refinance Loan rate you are rated.

This figure is generally accepted as the safe margin when balancing the costs of refinancing a loan against the savings. There are other considerations, too, such as how long you plan to stay in the house. Most sources say that it takes at least three years to realize fully the savings from a lower interest rate, given the costs of the refinancing. (Depending on your loan amount and the particular circumstances, however, you might choose to refinance a Loan that is only 1.5 percentage points higher then the current rate. You may even find you could recoup the refinancing costs in a shorter time).

Ocean Pacific Capital has been in business for over 31 years and has access to over 130 lenders. Whatever your credit score we can match you with a lender that has a program that best fits your unique situation. Visit our Loan programs page for everything you need to know about refinance Loans. Rates are the lowest they've been in close to 30 years. Refinance now to get a lower rate or turn your adjustable into a fixed rate and get fast cash! Don't miss the opportunity to inquire now and save thousands!

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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