Loan Products

Our Expert Loan Officer's will go over all the available options and place you in the one that is best suited for your needs.

  • Fixed Rate Mortgage

    Most common, Traditional Mortgage, Interest Rate does not change during the duration of the loan.

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  • Adjustable Rate Mortgage

    A variable rate Mortgage, periodically adjusted during the life of the loan according to the movements in an Index Rate. Fixed for a specified amount of time. Available fixed durations are 3years, 5 years, 7 years or 10 years.

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  • FHA

    A Mortgage that is insured by the Federal Housing Administration.

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  • VA

    A Mortgage that is guaranteed by the department of Veteran Affairs.

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  • HARP 2.0

    A Refinance Option for homeowner's that are upside-down, owing more on their home than the home is worth.

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  • Reverse Mortgage

    Allows senior homeowner's to convert a portion of their home equity into cash while still living in the home.

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Disclosure

3.75% Rate shown assume a minimum loan amount of $350,000 up to 417,000, applicant is refinancing an owner occupied residence with no cash out, single family home and occupied as primary residence. All applicants must have a credit score of 740 or higher, combined debt to income ratio of 38% or lower, meet program assets requirements and have a Loan to Value Ratio less than or equal to 60%. APR (Annual Percentage Rate) shown may include discount points, 30-year term. ZIP ZERO is our no closing cost refinance. Pacific Source Funding pays all of the closing costs except prepaid interest, taxes, insurance and payoff demand fees. Rates are subject to change and not all applicants qualify, 30 year term. Contact a PSF representative today for a customized quote 714-241-4543.

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ZipZero

  • Zero Cost
  • Zero Appraisal Fee
  • Zero Points
  • Zero Junk Fees