The Pacific Rate Advantage
We shop 265+ lenders to find you the best rate
265+ Lenders
Access to the largest network of wholesale lenders in California
We Say YES
ANY type of loan - residential or commercial. If there's a solution, we'll find it.
30 Days or Less
Fast closings without compromising on service or accuracy
Our Specialty Loan Programs
Creative financing solutions for every situation
Multiple DPA
Down Payment Assistance
Buy a Home with Little or No Money Down
You may qualify for multiple down payment assistance programs that can be legally stacked together.
Who qualifies:
- State programs (CalHFA)
- City or county grants
- Nonprofit assistance
- Employer housing programs
- Silent seconds or forgivable loans
Benefits:
- Reduce or eliminate down payment
- Lower cash-to-close
- Ideal for first-time homebuyers
Basic Requirements:
- First-time buyer (varies by program)
- Income limits apply
- Minimum FICO 620–660
- Owner-occupied property
Perfect for:
Perfect for renters wanting to buy with low savings
What to Expect:
"Many buyers don't know they can use more than one DPA at the same time. I just need to review your income, credit, and property location to see which assistance programs you qualify for. My goal is to get your cash-to-close as low as possible."
No-Ratio Loan
Asset-Based Qualification
No Income • No DTI • No Tax Returns
A No-Ratio mortgage allows borrowers to qualify without income documentation and without calculating debt-to-income ratio.
Who qualifies:
- High-net-worth borrowers
- Retirees living off assets
- Self-employed with complex income
- Borrowers who want privacy
Benefits:
- No tax returns
- No DTI
- Simplified underwriting
- Fast approvals
Basic Requirements:
- Strong credit (700+)
- Large assets or reserves
- 70–75% max LTV
- Primary / Second / Investment allowed
Perfect for:
Ideal for wealthy borrowers with strong liquidity
What to Expect:
"For this loan, I don't need your tax returns or W-2s. We qualify you based on your credit, assets, and overall financial strength. If you have strong liquidity and good credit, this may be your best option."
Bank Statement Loan
Self-Employed Solution
Use Your Bank Deposits Instead of Tax Returns
Perfect solution for self-employed borrowers, business owners, and gig workers.
Who qualifies:
- Provide 12 or 24 months of bank statements
- Lender calculates income from actual deposits
- No tax returns required
Benefits:
- Higher qualifying income
- Great for business owners
- Flexible underwriting
Basic Requirements:
- 620–700+ FICO
- 2+ years self-employment
- 3–12 months reserves
- LTV up to 80–90%
Perfect for:
Perfect for self-employed borrowers with strong deposits
What to Expect:
"I don't need your tax returns. I just need 12–24 months of your bank statements. We take your total deposits and calculate your qualifying income from them. It's one of the best programs for business owners."
Mega Jumbo Loan
Luxury Financing
Luxury Financing for $2M–$10M+ Loans
Mega Jumbo mortgages provide custom solutions for high-end property purchases.
Who qualifies:
- High-income borrowers
- Business owners
- Ultra-high-net-worth individuals
- Luxury property buyers
Benefits:
- Loan amounts above $2M
- Interest-only options
- Portfolio underwriting
- Ideal for prime luxury markets
Basic Requirements:
- 700–740+ FICO
- 12–36 months reserves
- LTV 70–80% max
- Strong liquidity or asset-based income
Perfect for:
Perfect for luxury estates and high-end properties
What to Expect:
"We specialize in high-end financing. For Mega Jumbo loans, I only need to review your assets, credit, and liquidity. The underwriting is personalized, and we can structure interest-only options if needed."
