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(310) 478-5005

Los Angeles Prime Loans

If you are searching for home loans in Los Angeles and your credit rating is high, then you are looking for a prime loan.

A “prime” loan refers to any loan offered to a customer who fits within the prime classification of borrowers.

Prime loans are the most affordable home loans available. They include lower fees, lower interest rates, and lower premiums. The loan terms are also typically more favorable. This is because you are a low-risk customer.

If your credit rating and history, debt-to-income ratio, and other credentials qualify you as a creditworthy individual, then you most likely will qualify for a prime loan.

Examples of prime loans in Los Angeles include:

conventional prime loans in 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.

Learn More

va prime loans in los angeles

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.

Learn More

fha prime loans in los angeles

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.

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reverse prime loans in los angeles

Reverse Mortgage

If you need extra cash flow, a reverse mortgage can help you to pull equity out of your home for other purposes.

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jumbo prime loans in los angeles

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.

Learn More

Pacshores Is Your Broker For Affordable Prime Loans in Los Angeles

Even though prime loans are typically very affordable and have favorable terms, it still pays off to shop around for the lowest possible interest rate and fees. That is where we can assist. As your Los Angeles mortgage broker, we can help you find the best prime loans with the most competitive rates and terms.

Give us a call today at 310-478-5005 for your consultation. Soon, you could be living in your Los Angeles dream home!

Do you have questions?

Call us today (310) 478-5005 or fill in form below and we will get back to you as soon as possible.

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

 

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11400 W Olympic Blvd #830

Los Angeles, CA 90064

(310) 478-5005

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NMLS: 366402
BRE: 00956342

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