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Finding the right home loan involves consideration of your needs, finances and history to help you choose the right home loan. We are here to guide you.

Fixed Rate Mortgage

Interest Rate and monthly payments remain the same for the entire term of the loan. Which can protect you against rising interest rates.

FHA

Insured by the Federal Housing Administration an FHA can have less strict credit requirements and qualifications make this loan the easiest loan for buying a home or refinancing.

VA

Are you are a veteran, member of the military or military spouse? You may qualify for a VA loan. VA Loans offer flexible options as either fixed-rate or ARM mortgages.

Cash Out Refinace

You could pay off those higher-interest debts by refinancing to a lower rate. Even with less-than-perfect credit, we may be able to help you lower your monthly payment and pay off your higher-interest debt.

Refinance

Mortgage refinancing may lower your monthly payments, which can add up to significant savings. Knowing your options is important, we can help!

Jumbo

With a jumbo mortgage, you’ll get great rates for your big loan. With a choice between fixed or adjustable rates, our jumbo loans offer maximum flexibility for home financing for larger loans.

USDA

Qualifying rural properties allow borrowers to put $0 down on the purchase of a home.

Manufactured / Mobile Homes

Pacific Trust Mortgage offers a range of manufactured and modular home financing options to meet the needs of all types of home buyers. This includes financing for top qualifying applicants as well as a wide range of other loan programs for prospective buyers

Private Money

Private loans are typically a last resort due to higher rates and costs compared to conventional lending products. They do fill a niche that is sometimes needed

Portfolio / Non - QM

Every borrower is unique and often requires alternate methods of qualification.

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