Loan

Programs

Let's see what works best for you!

Purchase

We will help you navigate the home-buying process and find the right mortgage for your dream home. Buying a home is an exciting milestone, but can also be overwhelming. David is here to guide you through the process and help you find the perfect mortgage for your needs.

We offer various mortgage options, including fixed-rate, adjustable-rate, and government-backed loans tailored to your unique financial situation. David will work with you to determine the best choice for your needs and help you secure a mortgage that fits your budget and lifestyle.

Refinance

Refinancing your home can be a great way to save money on your monthly mortgage payments or access the equity in your home for other financial needs.

We offer a variety of home refinance options, including rate and term refinancing, cash-out refinancing, and streamline refinancing. Our experienced loan officers will work with you to determine the best refinance option for your unique financial situation. .

Reverse Mortgage

A reverse mortgage is a financial product that allows homeowners aged 62 and older to convert a portion of their home equity into cash. It works by allowing homeowners to access a portion of their home equity in the form of a loan. The loan amount is based on several factors, including the borrower’s age, the value of the home, and the current interest rates. The loan is paid out in a lump sum, monthly payments, or a line of credit.

Because the loan is not repaid until the borrower moves out of the home, sells the property, or passes away, interest accrues on the loan balance over time. However, the borrower is not required to make monthly mortgage payments.

Home Equity

Home equity is a term used to describe the difference between the current value of your home and the amount you owe on your mortgage. In other words, you own the portion of your property outright. Your home equity grows as you pay down your mortgage or your property’s value increases. Home equity is a valuable asset that you can leverage in various ways to achieve your financial goals.

Here Are Some Ways to Use Your Home Equity:

■ Home Improvement

■ Debt Consolidation

■ Education

■ Investment

■ Emergencies

Second Home Loans

Get Access to Second Home Loans in California

Owning a second home—whether it’s a mountain retreat, beachside escape, or weekend getaway—is a dream that can become reality with the right financing. Beyond a vacation spot, it can be a valuable asset that grows over time and offers you a personal getaway whenever you want. With smart lending options, securing that second property is more attainable than you think.

At Pacific Lending, we specialize in helping homeowners access second home loans in California with flexible terms and personalized guidance. Whether you’re purchasing a home for seasonal use or planning a future retirement spot, our team is here to make the process seamless, transparent, and tailored to your needs.

Debt Consolidation Loans

Managing high-interest debt can feel overwhelming, but utilizing your home’s equity offers a powerful path to financial freedom. Pacific Lending specializes in debt consolidation loans in California, helping you regain control of your finances by combining multiple payments into a single, manageable monthly installment.

Stop juggling multiple due dates and high interest rates from credit cards or personal loans. By refinancing, you can tap into your home’s value to pay off those nagging debts. This often results in a significantly lower interest rate and reduced total monthly output, putting more money back in your pocket every month.

You get clear, direct guidance throughout the process. Complex financial situations don’t scare us; in fact, structuring complicated scenarios is a specialty here.

Mortgage Loans for Rentals

Mortgage Loans for Rental Homes in California

At Pacific Lending, we specialize in mortgage loans for rental homes in California, providing you with the financial support you need to invest in real estate. Our team of experts understands the intricacies of the market, ensuring you can secure the right loan tailored to your investment goals.

Unlock Your Investment Potential

With our mortgage loans for rental homes, you can turn your property dreams into reality. Whether you are purchasing new rental properties or refinancing existing ones, our competitive rates and flexible terms will enhance your investment strategy.

We focus on helping clients with diverse financial backgrounds, ensuring that even those with credit scores as low as 500 can explore affordable home loans in California with our government loan options.

DSCR Investor Property Home Loans

Mortgage Loans for Rental Homes in California

Unlock Your Investment Potential

VA Mortgage Loans

The Department of Veterans Affairs has created mortgage programs designed specifically for military personnel, veterans, and surviving spouses of those who have valiantly served our country. VA mortgages programs are among the most important benefits available to our military.

Program Highlights

■ 620 minimum qualifying credit score 10-, 15-, 20-, 25-, and 30-year fixed rates available

■ Up to 100% LTV for purchase and refinance transactions

■ No LTV limits for VA Interest Rate Reduction Refinance Loans (IRRRLs) for transaction with less than one discount point