Purchase/No Money Down.

PURCHASE LOANS
Pacific Lending 2000 offers an extensive line of the most competitive purchase money loan products available. We work with all types of purchase scenarios. 1st Time Home Buyers, where we specialize in getting people into homes with no money down, borrowers moving up to their 2nd , 3rd, and 4th homes, and clients purchasing vacation homes and investment/commercial real estate.

Our product line includes:

All Property Types - Purchase single family homes, condos, townhomes, 2-4 units, multi units (5+), commercial property, land and vacation homes. (guidelines vary greatly depending on property type)

No money down - Exclusive mortgages that allow you to purchase owner- occupied homes with zero down and loan amounts available up to $1,250,000.

Interest Only Options - Month-to-month flexibility which allows you to chose to pay interest only (for lower payments) or principal and interest.

The innovative 40 year amortization - Gives borrowers a lower monthly payment than the traditional 30 year fixed for extra buying power

3, 5, 7, and 10 year intermediate ARM’s - Adjustable rate mortgages that remain fixed for a set term offering a lower interest rate than the longer term 30 or 40 year fixed.

15 year fixed rate loans - Allows you to pay off your home in half the time and pay substantially less interest over the life of the loan.

Jumbo loans - Loan amounts over $417,000, available up to $5,000,000.

Credit Issues - Loans for borrowers with less than perfect credit.

No income documentation - Easy close loans with no income verification needed and minimal paperwork (great for self-employed borrowers).

Combo 1st /2nd financing for transactions with less than 20% down - Avoids paying property mortgage insurance (PMI)

Zero point loans and loans that allow seller to pay closing costs - Buy with zero down and get into a home for practically nothing.

No Obligation • Confidential
• No Social Security Number
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  About the loan I may be interested in

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Purchase Amount:
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Pre-Qualification vs. Loan Approval
Confused about what getting pre-qualified or pre-approved really means when purchasing a home? Your not alone. There’s a big difference between a mortgage pre-qualification, a pre-approval, and an actual mortgage approval.

Getting pre-qualified for a mortgage gives you an idea of how much you might qualify to borrow. But since you have not actually applied for a loan and the Lender only has your word on your credit, income, assets and liabilities, a purchase loan is not guaranteed. With a pre-qualification only, none of your information has been verified. Even with a pre-approval, which goes one step further and the Lender has pulled your credit, the rest of your financial information has still not been verified.

The Solution-A Pacific Lending 2000 Purchase Loan Approval
The best way to guarantee that you’ll have the financing to buy the home you really want is to skip the pre-qualification and pre-approval process and obtain an actual mortgage approval directly from a Lender that’s good while you shop for your home. With a Pacific Lending 2000 Purchase Loan Approval, all of your important information will be verified and you will know exactly what type of financing you can expect and how much you can spend on a home. As long as the property gets a satisfactory title and appraisal and your financial picture remains the same or better, your loan will close with ease.

More Bargaining Power
Having your Mortgage Loan Approval ready when you go out shopping for a home puts you in control and gives you more bargaining power. When making an offer, the sellers and sellers agent know that you are a serious buyer who is ready and able to make a deal.