Residential Loan
With our vast network of 130 lenders, you can take comfort in knowing that we will offer you the lowest rate for your situation.
Call us toll-free at 1-800-595-1474
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Are you looking for a residential loan but are intimidated by the process or tired of bait and switch tactics? Ocean Pacific Capital is a 28-year old licensed residential loan company that offers low rates in California and Colorado. You'll get the trusted, expert services that you deserve without the hidden home loan costs. With access to our network of over 130 lenders competing for your business, you can rest assured that you are getting the lowest possible rate for your situation.

We pride ourselves on providing personalized customer care, so whether you want to refinance your current mortgage or are looking for a home purchase loan, we will structure the most appropriate financing program to meet your unique and individual needs.

We service all of California and Colorado and whenever possible we will meet with you in your home, office, or any place of convenience for a free, no-pressure consultation. Call us toll free at 1-800-595-1474 to schedule an appointment with one of our friendly and experienced loan officers today, or you can apply here and we'll contact you within 24 hours.

Premier home loan Financing!

Ocean Pacific Capital's California residential mortgage loan 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.

The following is an overview of our loan programs. For more details please visit our residential page.

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

OceanPacific 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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