The journey to owning a home can be a complicated one. Choosing the right home for you out of all of the homes available is important. Choosing the right mortgage from all options available is just as important. Our mortgage loan officers are here to help every step of the way.
Whether you found your dream home or you don’t even know where to start, our mortgage team can help! Pacific Crest can help you get prequalified or pre-approved. Pre-approval can help you determine how much home you can afford and have the buying power to make an offer on a home.
Provides you with a way to replace your existing mortgage with one that is structured to help you meet your goals such as reducing your payment, lowering your interest rate, or paying off your home faster. If your current mortgage isn’t the right one for you anymore we can help you explore your options.
Fixed and Adjustable Rate Options
Need the lowest rate possible in the short term? Planning on selling in a few years? Want the security of knowing what your loan payment will be for the entire term of your mortgage? We offer a variety of fixed or adjustable rate mortgage options to help fit your finances and home goals.
USDA, VA, FHA loans
There is an alphabet soup of mortgage programs, many come with advantages like requiring only a minimal down payment. We can help you explore the benefits and the challenges that come with these special programs.
Manufactured homes on land
Manufactured homes on land are pretty common in our area, loan programs for these properties aren’t so common. If you are interested in purchasing a manufactured home on land let Pacific Crest help. We have several programs for the purchase or re-finance of manufactured homes.
Home Equity Loans and Lines of Credit
Home Equity loans let you borrow against the equity in your home and use those funds to accomplish the other financial goals you have. Use the equity in your home for:
Home Repairs / Improvements / Remodeling
And Much More!
Home Equity Line of Credit (HELOC):
A Home Equity Line of Credit provides a reusable credit limit available when you need it.
Home Equity Term Loan:
Convert all or a portion of your HELOC balance to a term loan. As you pay down your term loan, the yearly principal amount paid is replenished back to your HELOC limit for your use. This option allows you to secure a fixed rate.