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Los Angeles Mortgage Rates

Los Angeles Mortgage Rates

If you dream of a glamorous life, it is hard to beat Los Angeles, the Entertainment Capital of the World. Here you can enjoy balmy weather year-round while you walk among the stars. There are opportunities in the L.A. job market in numerous different industries, so the sky is the limit with career growth. But there is one detractor which you will notice right off the bat, and that is that living in the City of Angels is expensive.

With the median home value in L.A. currently around $626,800, Los Angeles mortgage rates today are quite exorbitant overall. Many middle-income earners in L.A. who could afford to live comfortably in another city struggle to find a home they can afford in the City of Angels.

But that does not mean that all is lost. Even though the Los Angeles mortgage rates trend continues in the direction of becoming more and more expensive, there are affordable rates out there. They just are not publicly advertised.

Pacshores Can Help You Find the Most Affordable Mortgage Rates in Los Angeles

Here at Pacshores, we have spent many years helping homebuyers to find affordable mortgage rates in L.A. In fact, this has allowed us to build up a vast network of Los Angeles mortgage lenders who rely on us for customers.

Every lender we work with is accredited, and offers special programs and discounts to our clients. While these lenders may advertise more expensive rates in public, they offer lower rates to our customers. Through our network, you can qualify for some of the lowest mortgage rates offered anywhere in Los Angeles.

Our Network of Mortgage Lenders in Los Angeles Offers the Lowest Fees and Costs

It is important to remember that the mortgage rate is just part of the cost equation when it comes to buying a home in Los Angeles. You also need to consider the opening and closing costs, fees, points and so on. These are incorporated into the annual percentage rate (APR).

A lot of customers—especially those who are buying their first home—forget about the APR, or do not know about it. Unfortunately, there are predatory lenders out there who will take advantage of this.

When you work with us, we ensure that you are getting the lowest mortgage rates in L.A. and the lowest APR. That way you can rest assured that you will be able to afford your new home even after all the miscellaneous costs are factored in.

See what our clients say about us

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

 

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Contact Us Today to Find the Lowest Mortgage Rates in Los Angeles

When you first start considering Los Angeles mortgage rates, you may feel like you will never be able to afford to live here. But a lot of the customers we have helped started out feeling just the same way. Now those customers are living in their Los Angeles dream homes.

Give us a call today.

and we will set up a consultation. Whether you need a conventional loan, jumbo loan, or VA or FHA loan in Los Angeles, we can help you find the best rates and the lowest fees. It is time to start living your California dreams!

310-478-5005

Do you have questions?

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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

 

What Kind of Loans
Do We Offer?

Conventional Loans
Conventional Loans

These are loans which conform to the guidelines set by Fannie Mae and Freddie Mac.

VA Loans
VA Loans

These federally backed loans are available to veterans and spouses, and allow you to qualify for a loan with zero down payment.

FHA
FHA

If you are a first time homebuyer in Los Angeles, you may be able to qualify for a down payment as low as 3.5% with a government-backed FHA loan.

Reverse Mortgage
Reverse Mortgage

If you need to pull equity out of your home to convert to cash, a reverse mortgage makes it possible.

Jumbo
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.

pacshores mortgage
  • About
  • Borrowers
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  • Investors
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Prime

  • Conventional
  • VA
  • FHA
  • Reverse
  • Jumbo

Non-Prime

  • Hard Money Loans
  • Stated Income Loans
  • Bridge Loans
  • Damaged Credit Loans

Commercial

  • Resources
  • Monthly Mortgage Payment Calculator
  • Required Documents
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Los Angeles

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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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