PacificBanc Mortgage - A Wholesale Mortgage Lender


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Our HOT Dream Loans:

Please refer to our matrices, rate sheets and account executives for updated programs currently in demand.

We offer a wide selection of more than 200 loan programs. We can custom design a program to meet the needs of almost any borrower having a 620 FICO score or higher.

Our wide array of hot niche programs, combined with customer service, gives you every reason to make us your One Stop Shop!

Contact your Account Executive for details and special pricing.

Email ALL submissions to your Account Manager and "CC" your Account Executive on that Email. Then, we will fit your loan into the best program available! For email addresses, click on "Contact Us."

 

"HOT Dream Loan" #1:   Conforming
  • Full Doc Only, 90% Financing
  • Purchase and Rate-in-Term
  • Interest Only
  • Max Loan Amount is $417,000
"HOT Dream Loan" #2:   Jumbo
  • Loan amounts from $417,000 and above
  • % Purchase & Rate-in-Term
  • 75% Cash Out
  • DTI Max is determined by DU
"HOT Dream Loan" #3:   FHA (High in Demand!)
  • Contact us for updated programs
  • We are FHA delegated!

In addition to our "HOT Dream Loans", we have many other loan programs for you to choose from. Below is a list of some of the various loan programs we offer, with a description of each:
  The traditional 30-year fixed rate mortgage has a constant interest rate and monthly payments that never change. This may be a good choice if you plan to stay in your home for seven years or longer. If you plan to move within seven years, adjustable rate loans are usually cheaper. As a rule of thumb, fixed rate loans may also be harder to qualify for than adjustable rate loans. When interest rates are low, fixed rate loans are generally not that much more expensive than adjustable rate mortgages and may be a better deal in the long run, because you can lock in the rate for the life of your loan.
  This loan is fully amortized over a 15-year period and features constant monthly payments. It offers all the advantages of the 30-year loan, plus a lower interest rate and you'll own your home twice as fast.

The disadvantage is that, with a 15 year loan, you commit to a higher monthly payment. Many borrowers opt for a 30 year fixed rate loan and voluntarily make larger payments that will pay off their loan in 15 years. This is often a safer approach than committing to a higher monthly payment, since the interest rate difference isn't that great.

 


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