Are you interested in an 80 20 loan? This combination loan uses an 80% first mortgage and a 20% second, and requires no mortgage insurance. It allows for higher debt ratios and there are no income limitations. This is a great loan for someone that makes too much money for first-time homebuyer programs, but still needs a no down payment loan. One good advantage to the 80/20 loans is there is no mortgage insurance (M.I.), which is not tax deductible.

Ocean Pacific Capital is a 30-year old licensed California home loan mortgage company, with 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.

Please call us at 1-800-595-1474 for a free consultation with one of our friendly and experienced loan officers. You can also send us information here and we'll get back with you within 24 hrs.