Our Mortgage Services
Access to 250+ lenders nationwide. Whether you need a residential home loan or complex commercial financing, Pacific Rate has a program for your scenario.
Residential Loan Programs
For primary homes, second homes, and 1-4 unit investment properties
Fixed and adjustable-rate loans for primary, secondary, and investment properties. Competitive rates with loan amounts up to $2M+.
- Min 620 credit score
- Up to 97% LTV
- Fixed & ARM options
- Primary, 2nd home & investment
Government-backed loans with lower down payment requirements. Ideal for first-time buyers or those rebuilding credit.
- 3.5% down payment
- Min 580 credit score
- Gift funds allowed
- Seller concessions up to 6%
Zero down payment loans exclusively for veterans, active-duty service members, and eligible surviving spouses.
- 0% down payment
- No PMI required
- Competitive rates
- No loan limits for eligible veterans
High-balance financing for luxury properties exceeding conforming loan limits. Loan amounts up to $30M+.
- Loans up to $30M+
- Interest-only options
- Foreign national eligible
- Flexible qualification
Debt Service Coverage Ratio loans qualify based on rental income — no personal income verification required.
- No income docs needed
- Based on rental cash flow
- Short-term rental eligible
- Unlimited properties
Alternative documentation loans for self-employed borrowers, investors, and those with unique financial profiles.
- Bank statement qualifying
- Asset depletion
- 1099 income accepted
- No tax returns needed
Commercial Loan Programs
For multifamily, office, retail, industrial, and mixed-use properties — up to $250M+
Short-term financing to bridge the gap between acquisition and long-term financing. Fast closings in 5–10 days.
- Close in 5–10 days
- Up to 75% LTV
- Interest-only payments
- Up to 36-month terms
Government-backed small business loans for owner-occupied commercial real estate and business expansion.
- Up to $5M+
- 10–25 year terms
- Below-market rates
- Owner-occupied properties
Commercial property loans qualifying on net operating income. Ideal for stabilized investment properties.
- Office, retail, industrial
- Multifamily 5+ units
- Mixed-use properties
- No personal income required
Ground-up construction and major renovation financing for residential and commercial projects.
- Ground-up & rehab
- Interest reserve available
- Draw schedule funding
- Up to $50M+
Asset-based lending for investors who need speed and flexibility. Credit score not the primary qualification.
- Close in 3–7 days
- Asset-based approval
- Fix & flip financing
- Up to 90% of purchase price
Long-term, stable financing for stabilized commercial assets including retail, office, and multifamily.
- 5–30 year fixed rates
- Non-recourse options
- Large loan platform
- All asset classes
Ready to Get Started?
Call or apply online — we'll match you with the right program within 24 hours.
Pacific Rate NMLS #329956 | Empowered by NEXA Lending NMLS #1660690 | Equal Housing Lender
