We are Pacific Mortgage Capital – Your non-agency, solution-oriented lending partner.
We help borrowers who fall outside of traditional lending guidelines
Our Loan Programs
Our Experience
The team at Pacific Mortgage Capital have a combined 50+ years of agency, non-agency and alternative lending experience.
- $1B + in loan origination
- 10,000 + loans funded
Who We Help
We Help Self-employed Borrowers
Pacific Mortgage Capital offers self-employed borrowers an alternative way to show the true cash flow of their business to qualify for the purchase or refinance of their primary and investment properties.
Bruised credit/Credit event, Foreclosure, bankruptcy
We offer responsible solutions for credit-impaired borrowers who would otherwise be turned away from a conventional lender. This program allows borrowers to get back on their feet, repair their credit and eventually refinance into a lower rate loan with our conventional lending peers.
Investors
Our flexible Investor Flex Loan Program can be underwritten to property income.
Unlimited financed properties
Most lenders will cap the number of properties investors can have in their portfolio at 4. We don’t.
Transitional bridge loans
Our transitional bridge loan product helps homeowners buy their next home before selling their current home.
- Residental purchase
- Business
- Self-employed
- Investor
- Unlimited financed properties
- Transitional bridge loan
- Jumbo products
Get Approved Now
Fill out the short application to get approved!