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(310) 478-5005

Los Angeles Home Loans

los angeles home loans

If you are shopping for home loans in Los Angeles, you have probably discovered that mortgage rates run high in the City of Angels. This can be discouraging, especially if you happen to be a first time homebuyer or your debt-to-income ratio is not ideal (an all-too-common situation in L.A.).

We help Los Angeles borrowers to find the prime and non-prime mortgages they need to purchase property affordably in the L.A. metropolitan area. With an established network of accredited lenders, we can hook you up with an affordable loan in any of the following categories:

Prime Home Loans Los Angeles

Prime Home Loans Los Angeles

  • Conventional: These are conforming loans which fit within the limits set by Fannie Mae and Freddie Mac. Down payments may range up to 20%, and loan terms typically span 10-30 years.
  • VA: Military veterans and spouses can apply for a federally-backed VA loan. With a VA loan, you do not need mortgage insurance, and you can enjoy zero down payment.
  • FHA: First time homebuyers can apply for a federally-backed FHA loan and qualify for a 3.5% down payment and friendly loan terms. An FHA loan may even be available to you with less-than-perfect credit.
  • Reverse Mortgage: If you need extra cash flow, a reverse mortgage can help you to pull equity out of your home for other purposes.
  • Jumbo: A jumbo loan is any home loan which does not fit within the conforming loan limits. In a high-cost city like Los Angeles, jumbo loans are common.
Non-Prime Home Loans Los Angeles

Non-Prime Home Loans Los Angeles

  • Hard Money Loans: Borrowers with low credit may turn to hard money loans in order to finance their home purchases. We can ensure you are getting the most affordable hard money loans in L.A.
  • Stated Income Loans: With this type of home loan, you do not need to provide income verification. In some situations, this may help you cut through red tape.
  • Bridge Loans: If you are buying one property while selling another, a Los Angeles bridge loan may help you to cover the interval in between.
  • Bad Credit Loans: These are home loans in Los Angeles which are specifically offered to customers who have bad credit ratings. It can be hard to get good terms and low fees on these types of Los Angeles home loans, but we can ensure you are getting the best possible deal.
Commercial Mortgage Loans Los Angeles

Commercial Mortgage Loans Los Angeles

If you are looking for a commercial loan in Los Angeles, you are getting ready to make a major business decision, one which will impact your bottom line over the years to come. Indeed, the commercial loan rates and terms you decide on now could have great ramifications later down the line. In that sense, regardless of your planned use for the land or structure you are seeking to acquire, a commercial mortgage is an investment in your business’s future.

There are many different types of commercial loans available for them. Here are some of the various kinds and what they are used for.

  • Fixed Rate Mortgage (FRM)
  • Adjustable Rate Mortgage (ARM)
  • Balloon Mortgage
  • Interest Only Mortgage

Contact Pacshores for Home Loans in Los Angeles Today

We cannot wait to work with you and help you find the affordable Los Angeles home loan that you need to put down roots in our beautiful city.

310-478-5005

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Client Testimonials

Thanks PacShores for coming through for me in the nick of time. After our Parents passed away and left the small apartment units that I was living in to me and my two siblings, they needed to get out their portion of the inheritance and were determined to force me to sell the units. I needed to keep the property for my family and avoid selling in such a down Market. My Income was low and the Banks refused to accepts the Rental Income from the other Tenants and to approve my loan. It wasn’t a problem when I contacted PacShores, they funded my loan in no time, paid off my siblings, hassle free, and I am very glad I found them.

Tony – Orange, California

 

I took over some Apartments that my Dad owned and had been renting out over the years. Some of the tenants had been there for 10 years and more, the Properties have gotten in disrepair, and the County had also filed substandard violation Liens on the Properties. All the Lenders that I had applied to for a Cash-Out Loan, turn down my application due to the condition of the Properties. With the help of the Loan Officers at PacShores, we were able to customize a loan for me that set aside funds to complete the needed repairs, and clear up all the Substandard Notices and Liens on the Properties, and the extra cash that I needed.

Tracy – Los Angeles, California

 

Hi, I am Real Estate Broker, and Short Sale specialist, and I had very well qualified Buyer with almost 50% cash down payment, under contract on a highly discounted Investment Property purchase. After 3 weeks of getting the runaround with their Bank including my regular Lenders that I normally use, I was convinced they would lose out on this great deal. Luckily an associate referred me to PacShores Mortgage, and within 24 hours they drove buy the property, and had Closing Documents in Escrow by the third day and funded the loan right after. They saved this deal for us. I couldn’t thank them enough and would use and recommend them to all my associates in the future.

Javier – West Covina

 

Hello, our Credit Scores had become so low after we went through a Loan Modification process and Short Sale on our previous house. Thereafter, we couldn’t find a Bank willing to consider us for a new Home Loan, even though we had substantial funds for a Down Payment. The folks at PacShores Mortgage were very understanding and glad to review and approve our loan application. Thanks to them, we are proud owners of a new, more affordable four Bedroom house again.

Susan – Fresno, California

 

My wife and I own a successful and profitable Business, and also own a number of Rental Units. Due to the Freeze in Bank Lending we decided to refinance one of the Rental Units we own outright, to access the credit we need to efficiently run our Business. Unfortunately due to the write-offs we show on our Tax Forms, the Banks we contacted were misreading our Income and cash flow and declined to approve our loan application. Our experience was different at PacShores, the easily identified our true Income and approved our loan promptly, and we didn’t even need to provide them any Tax Returns.

Cindy – San Diego, California

 

pacshores mortgage
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Prime

  • Conventional
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11400 W Olympic Blvd #830

Los Angeles, CA 90064

(310) 478-5005

info@pacshoresmortgage.com

NMLS: 366402
BRE: 00956342

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