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Rate
est. APR
30 Year Fixed
3.625%
3.726%
15 Year Fixed
3.250%
3.430%
3/1 ARM
2.625%
2.720%
3 Year Interest Only
2.875%
2.975%
*may include points



When purchasing a new home or refinancing an existing loan, you will face some of the most significant decisions you will ever make. You need the experience of a trusted mortgage company on your side to guide you through the process of finding the perfect loan for your situation.



Since opening in Orange County, California in 1977, Ocean Pacific Capital has offered low interest rates on a wide variety of mortgage lending programs, at minimal cost to the borrower. We specialize in home refinance loans, home purchase loans, cash out loans and construction loans with the very best interest rates possible. By doing a home mortgage refinance, you can consolidate debt, do home improvements, get cash out, or lower your current interest rate and save hundreds of dollars every month. Whatever the reason, you should finance with us. Unlike traditional banks, we are not bound to promoting a relatively small set of internal lending programs. Our access to the mortgage loan programs of over 130 different correspondent investors, lenders and institutions allows us to acquire the best mortgage rates and cheapest loan possible for you. With such a broad base of loan programs at our disposal we can handle your case whether you have good credit or bad credit. So, let us provide you with a loan program specifically tailored to your unique and individual requirements. We pride ourselves on providing excellent service through an experienced, intelligent and highly energetic staff. At Ocean Pacific Capital, every client is a client for life because they know their interests will always come first. While other companies are building account numbers, we are building relationships.



For any questions that you may have, we are available 24 hours a day, 7 days a week, toll free at 1800-5951474. Or, use our web site to apply online or email us with any questions or concerns. See why many consider us to be the best mortgage company in California and Colorado.





Ocean Pacific Capital is a licensed Colorado and California Mortgage Company. Regardless of where you live in Southern California, Northern California, or Colorado, we can find a loan that is perfect for you. Emin

If you are looking for a mortgage loan in Southern California, whether you live in Orange County, Los Angeles County, San Diego County, or Riverside County, we can get the best rates and terms for you. Looking for a home refinance in Imperial County, Ventura County, or San Luis Obispo County? Do you need to improve your home in San Bernardino County, Santa Barbara County, or Kern County? No problem; at Ocean Pacific Capital we do everything. Children Cancer Foundation

For those looking for a mortgage refinance in Northern California in places such as Modoc County, Mono County, Monterey County, Napa County, Nevada County, Placer County, Plumas County, Sacramento County, San Benito County, San Francisco County, San Joaquin County, San Mateo County, or Santa Clara County, we can be trusted to get you the best loan. We can help those with a cash-out loan in areas like Mariposa County, Mendocino County, Merced County, Santa Cruz County, Shasta County, Sierra County, Siskiyou County, and Solano County. Our loan officers will find the best loan program for your house in Sonoma County, Stanislaus County, Sutter County, Tehama County, Trinity County, Tulare County, Tuolumne County, Yolo County, and Yuba County. Over the years, many of our satisfied clients have come from Alameda County, Alpine County, Amador County, Butte County, and Calaveras County; as well as counties that include Colusa County, Contra Costa County, Del Norte County, El Dorado County, Fresno County, Glenn County, Humboldt County, Inyo County, Kings County, Lake County, Lassen County, Madera County, and Marin County.


NMLS #: 279674
DRE #:00619059

Equal Housing Lender