Hello, I'm Scot King, mortgage broker for Pacific West Capital. My company has been assisting folks obtain mortgage loans since 1998. Few companies have more choices for a mortgage loan for buying a home or for mortgage refinancing. Our wholesale lending sources offer competitive rates with low fees and even no fees. We compare mortgage rates daily each morning after we receive rate sheets from our many wholesale lenders. We are able to originate both conventional and FHA and VA mortgage loans in 48 states.
If you're looking to buy a home with government financing, we have access to FHA loans with only 3.5% downpayment required. If you don't have this in the bank, we are able to work with a gift from a relative or friend. It is possible to qualify with a credit score as low as a 620. Vets may utilize their certificate of eligibility and purchase a home for up to $417,000 for 100% of the purchase price. You may request a credit from the seller to cover closing costs on both FHA and VA loans. If you already own a home and you're interested in refinancing, we will lock in a rate for you up 30 days. If you already have an FHA loan, we can assist you with a streamline refinance loan insured by FHA.
Whether you're looking to refinance your mortgage loan or to buy your first home, we are sure to have a mortgage program that will fit your needs. We realize that you have many choices for a mortgage company, and if you seek a broker with high integrity who will work hard for you and get you a great loan, then you've come to the right place. We have many long term customers, and our goal is your 100% satisfaction with the service we provide to you and the mortgage that you receive.
To receive a free no obligations mortgage quote on a FHA or VA loan please call us at (866) 625-7283, or simply complete our online application, and we'll get back to you within 24-48 hours.
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