New purchases   Whether you are buying your very first home or have done it all before, Pac Cap Mortgage offers a loan program to fit your financial profile. We can prequalify you in minutes by phone, mail, fax or internet...even face to face! Most importantly, we offer 24 hour loan pre-approval on selected programs to give you the edge in securing the home you really want. Need a first-time-home-buyer program? We’ve got them!

Refinance  There are many reasons borrowers choose to refinance an existing mortgage, the most common of which is to reduce one’s monthly payment when interest rates drop. At a certain point in your “financial career” it can also be prudent to consider reducing the term of your loan, saving your self money by paying off the mortgage in 15 (rather than 30) years. If you have a balloon payment coming due, need to buy out a relative or ex-spouse, or need cash out of the property for any good reason, give us a call. We’ll help you determine free of charge if refinancing makes sense!