Pacific Capital Solutions, LLC, is a mortgage broker providing loan services and investment opportunities. Our borrowers are both a conventional clients and those who have equity in real estate but who are looking for property or for some reason cannot qualify for conventional bank financing. Whether we bring borrowers together with private lenders or banks to make deals happen! PCS is here to help.
Real Estate Loans
You may have experienced how frustrating the loan process can be. The slightest ripple can postpone your funding … often indefinitely. Unusual circumstances or a mark against your credit can create lots of delays in a project or a pending purchase. That’s where we can help. Pacific Capital Solutions, LLC, is a conforming and non-conforming, private money mortgage broker. We help borrowers that both can and cannot qualify for conventional bank financing.
Why use a conforming lender?
As the most common loan products given to borrowers, conforming loans typically come with the lowest interest rates and fees. They include conventional and FHA loan products, and are your best option.
Why use a non-conforming or private money lender?
Even a small mark against your credit can cause many banks and conforming lenders not want to work with you. Pacific Capital Solutions, LLC, works with borrowers with all credit grades, even if you’ve had a bankruptcy, short sale or foreclosure. Also, if you had a recent change in employment, became self-employed or have moved from out of state, you may find it difficult to obtain financing from conventional lenders, but we may be able to help you obtain a loan.
Why use Pacific Capital Solutions, LLC?
Pacific Capital Solutions, LLC, manages your loan application, and processing in-house, and coordinates the funding of the new loan. For private loans, underwriting is in house as well. Our professional staff will make the process as efficient as possible. No matter what loan product fits your needs.
What we offer to borrowers:
Loan Amounts: From $50,000 and up to $20,000,000.00.
Property Types: Residential, commercial, construction loans, land development, vacation homes, bare ground, or mobile homes on acreage.
Interest Rates: Competitive rates that vary depending on loan program.
Points: 2.5% – 5% depending on loan program, property type and borrower’s strength.
Loan to Value: Depends on loan program.
Loan Terms: 12 month to 30 years.