Low rates on home mortgage loans, and trusted, expert services without the hidden home loan costs, have been offered for 30 years by Ocean Pacific Capital, a licensed California home loan mortgage company.

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.

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%
stated income no doc programs
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

Call us toll-free at 1-800-595-1474 or fill out our online application form.