Are you looking to refinance or get a purchase loan but don't want to pay points? We have at our disposal a wide selection of no point, no fee 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.

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

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!