Western Pacific Home Loans

Attention Self-Employed Professionals!

Buying a home?
Need to Refinance or Cash-Out?

Our Bank Statement Loans are designed specifically for self-employed individuals like you. No need for tax returns or W2s simply use your bank statements to qualify!

Simplified Online - application
or just contact us
Flexible terms tailored to your needs

Take the next step towards your dream home with confidence. Contact us today to learn more about how our Bank Statement Loans can work for you!

NMLS - 264390
Since - 1999

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During our years in the real estate industry, we’ve learned that the appeal of buying a home is much more than a monetary investment for our clients. It offers a sense of security and stability that is hard to find elsewhere 🏡

With rent prices increasing more than 13% in the past two years, owning a home also means having stable payments, avoiding rent hikes, and setting up future generations for success.

This time of the year, especially, we are extra grateful for being able to facilitate the gift of homeownership for our clients. If you own your home, what do you love most about it?

If you find yourself in a JAM in 2024, reach out to us! Helping clients is our bread and butter 🍞🧈

But really, we hope you have a fantastic end of 2023 and start to 2024! 🎆

What will you be doing to celebrate the new year? Let us know in the comments!

Ready to make your homeownership dreams come true? 🎉

If one of your goals for 2024 is to buy a new home or make a strategic move in the real estate market, we’re here to help you take the first step!

In service of this, we’re sharing three tips for getting started with the process. Swipe through to learn more ↩️ And if you have questions or want to begin the process, feel free to DM us or give the office a call.

Together, we can make 2024 your best year yet!

Whether you are celebrating holidays or simply taking some time to slow down, we hope you’re getting in some rest and quality time with family ☕

What is your favorite part about winter? We’d love to hear 😊 Let us know in the comments below!

Just “squeezing” into your feed to wish you a happy holiday season! 🎅

From our team to yours, we hope you have a Claus-itively wonderful December filled with joyful celebrations and plenty of delicious treats.

Help us spread the cheer by sharing this post with others! 🎁

Time for another mortgage option for would-be homeowners—and this one, folks? This one is good news if you’re wondering how in the world you’re gonna come up with a big down payment.

⬇️ Backed by the Federal Housing Administration, an FHA 30-year loan requires a lower down payment (as little as 3.5%) and is available to borrowers with lower credit scores.

🧾 Keep in mind that you'll need to pay mortgage insurance premiums (0.55% of the loan) until the loan is paid off.

Got a question about this or other mortgage options? Reach out–we’re always happy to “lend” a hand 🤝

Next up in our mortgage series: an overview of the 15-year fixed-rate mortgage.

If you’re considering this mortgage option, here are three initial questions to ask yourself:

✅ Do I want to pay off my home faster?
✅ Do I want to save on interest?
✅ Am I okay with the higher payments?

If you’ve answered “yes” to these questions, your mortgage search is not done! Your next step is to work with a qualified mortgage professional to fully ensure the right loan option for you.

Reach out if we can be of help, and stay tuned for our next post on FHA 30-year loans 👀

It’s no secret that navigating the real estate market this year has posed some challenges. One common question we’ve seen from homeowners is whether a home equity line of credit (HELOC) might be a smart alternative to cash-out refinancing, especially in today’s economy.

Swipe through for some information about HELOCs and how to qualify ↩️

HELOCs have their pros and cons, just like any mortgage option. If you're wondering if a HELOC might be a good option for you, or have mortgage questions in general, feel free to reach out. We are here to assist! 🏡🔑

🏠🔍 Lost in the mortgage maze? We don’t blame you–there are a lot of mortgage options to choose from!

To help, we’re kicking off an educational mortgage series today, focused on the major mortgage options. First up: the tried-and-true conforming 30-year fixed-rate mortgage.

📋 Features: Relative stability and predictability with mortgage payments. As a conventional mortgage, it’s better for people with higher credit compared to its FHA counterpart.

✔️ Pro: With a fixed interest rate and a nice long term, you'll have peace of mind knowing your payments won't change.

❌ Con: The longer the term, the more you'll pay in interest over time. You will accrue less interest with a 15-year loan.

Keep an eye out for the next post in our series, focused on conforming 15-year fixed-rate mortgages. And, of course, reach out if we can be of help 🤝

Mortgage rates are continuing to dip significantly as of last week.📉
Don't miss the boat! 🚤 Western Pacific Home Loans is here to keep you informed. Call now to secure your low rate and sail through the mortgage process with ease. ⚓️

As we pause this week from our normal operations in observance of the Thanksgiving holiday, we want to wish you a wonderful long weekend with family and friends!

While our office will be closed Thursday, November 24, and Friday, November 25, we will be back in the office Monday, November 28.
From all of us, Happy Thanksgiving!🥧

🚨 SELF EMPLOYED FRIENDS! 🚨
Do you want to own a home? But you don’t know where to begin? Check out the bank statement loan! Bank statement loans are another way of getting approved for a loan if you meet these requirements. The down payment is 10-20% of the sales price.

Is this something that interests you? Give me a call today. 714-923-7421
or email me at [email protected]

Home Loans for the Self-Employed!
No Tax Returns Needed
Purchasing a new home or needing a Cash-out Refinance

Do more with your all-in-one lender, from FHA 0% down to hard money loans! We provide multiple loan options with knowledgeable loan officers.

☎️ 714-923-7400
📨 [email protected]

We're all about offering a mortgage experience that's customized to your unique needs. Contact us today and enjoy the difference working with a team that is focused on one thing – YOU!

If you’re ready to make a home purchase, it’s crucial to get your pre-approval letter first. This lets sellers and real estate agents know you’re serious about buying and will give you an advantage over the competition. Let's get started!

Love your home but not your monthly payment? With Flex term, you can refinance without resetting the clock, potentially save you thousands of dollars in interest without changing your payoff date. Call today to learn more.

Purchase or refinance, we're here for you! Contact us today and learn how we can take your unique situation, wish list and finances to find home mortgage options perfect for you.

Take advantage of today's low rates while shopping for your dream home. Message us now to lock in so you don't miss out!

Choosing a manufactured home loan just got a lot simpler. Now, you can get the same industry-leading technology and service as you get with other loans, plus regular and elite rates for conventional and government purchases and refinances!

Ready to be done paying rent? FHA loans require just 3.5% down and are more forgiving if your credit score isn’t exactly where you’d like it to be. Your family can even help with the down payment. Call today to learn more.

Buying a home can be stressful when you're left in the dark. We offer the latest tools and technology to give you visibility on your loan throughout the process. Call us now to get started!

Before you start your home search, it's important we connect to discuss your home financing options. Let us help you understand what you can afford – and what you can expect to pay each month once the loan closes.

Reach out today!
714-923-7400

Do you know what it takes to buy a condo? We do! Reach out for a hassle-free experience from application through closing!

The mortgage terms you encounter during the homebuying process can come across like a whole different language, but I'm here to demystify the lingo and give you the info you need to make great decisions! Let's get started!

Don’t let a less-than-perfect credit score scare you away from buying a home. Our FHA loan programs could be key to your independence. Call us today to learn more.

Ever thought the minimum down payment requirement put home ownership out of your reach? We have access to loan programs that require as little as 3% down! Learn about these, and your other great options, by DMing us now.

The LE outlines your loan terms and estimated closing costs. You'll receive this document within 3 business days of your mortgage application being submitted. Want to learn more about your home loan? Ask us anything!

Call - 714-923-7400
Email - [email protected]