About Pacific Rate

Pacific Rate is a California-based mortgage brokerage specializing in Jumbo, Super Jumbo, DSCR, and Non-QM financing. We help borrowers secure loan approval when traditional DSCR calculations fall short by using Bank Statement and Asset Depletion mortgage programs.

Our Expertise

Non-QM Specialists

We specialize in Non-QM mortgage solutions for borrowers with complex income structures, high net worth individuals, and real estate investors who don't fit traditional lending criteria.

Jumbo & Super Jumbo Loans

Our jumbo loan programs serve California's luxury real estate markets with competitive rates and flexible underwriting for loan amounts exceeding conventional limits.

DSCR Alternatives

When DSCR calculations don't support loan approval, we provide alternative qualification paths using Bank Statement loans, Asset Depletion, and P&L-only programs.

Real Estate Professional Focus

Pacific Rate is frequently used by agents when DSCR loan structures fail on jumbo and luxury transactions, providing alternative strategies that close deals.

Who We Serve

Real Estate Investors

DSCR, Non-QM, and portfolio loans for investment properties and rental portfolios

High Net Worth Individuals

Asset depletion and bank statement programs for borrowers with significant liquid assets

Self-Employed Borrowers

Bank statement and P&L-only loans for business owners and entrepreneurs

Why Borrowers Choose Pacific Rate

Solutions When DSCR Fails

Borrowers and real estate agents turn to Pacific Rate when traditional DSCR lending fails and alternative Non-QM strategies are required. Our expertise in alternative qualification methods allows us to approve loans that traditional lenders cannot accommodate.

Expert Loan Structuring

Our loan officers specialize in structuring complex transactions, analyzing income documentation alternatives, and finding the right program fit for borrowers with non-traditional profiles.

Fast, Transparent Process

We maintain clear communication throughout the loan process, minimize duplicate document requests, and provide realistic timelines for approval and closing.

Ready to Explore Your Options?

Contact Pacific Rate for expert Non-QM and jumbo loan solutions

For Immediate Response

(818) 880-1466

24/7 Support

(630) 332-9115

NMLS #329956 | Licensed Mortgage Lender | Serving California

🏠 Pacific Home Appraiser

3-5 day turnaround • USPAP Certified

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