We are Pacific Mortgage Capital – Your non-agency, solution-oriented lending partner.

We help borrowers who fall outside of traditional lending guidelines

Loan Programs

Our Loan Programs

Credit Solutions

Our Enhanced 500+ Loan Program offer responsible solutions for credit-impaired borrowers.

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Prime Jumbo

Our Jumbo Loan Program provides loan solutions that offer higher-balance loan amounts for qualified borrowers with full or alternative documentation.

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Investor Solutions

Investor Flex Loan Program can be underwritten to property income

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Bridge Loans

Solutions for borrowers requiring short-term financing or renovating a fixer-upper.

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About Us

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

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.


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!