A Correspondent Lender
Whether you are a first time homebuyer, or a
First Time Home Buyers
Pacific Atlantic Mortgage offers a wide variety of mortgage
programs specially designed to overcome many of the
obstacles that often keep you from buying a home. Based on your individual circumstances, our mortgage professionals will help you decide on which loan program best suits your needs. Our use
of computer based underwriting systems make it possible for us to get you fast answers, including pre-approvals.
Seasoned Home Owners
Whether you are looking to move into a larger home, purchase a
second home, or are in your golden years looking to simplify your lifestyle, Pacific Atlantic Mortgage has a loan program to suit your needs. If you would like information about getting
approved
Your mortgage is probably your single largest financial
commitment. Yet, after obtaining their mortgage, most borrowers never make a careful comparison of the terms of their mortgage and current mortgage programs available. Rates, terms and
mortgage programs are not static, rates change every day (sometimes more often), and new mortgage programs are developed constantly to better meet the needs of our customers. So a mortgage
which may have been your best value several years ago (maybe even just several months ago), may not still provide the greatest benefit to you. A savvy homeowner is best advised to keep
abreast of what types of programs and terms are currently available, and make informed decisions as to what is currently best for their situation. At Pacific Atlantic, our mortgage
counselors are trained to analyze and compare your current situation, with today's mortgage environment, and provide you with the answers and guidance you need.
On average, each American household is in debt for $15,000.00,
not including mortgages! If your interest rates are 18% (and more in many cases), your monthly payments may seem to be never ending as your balances seem to spiral higher and higher. With
Pacific Atlantic's "Debt Consolidation" programs you can start working towards paying off your debt, and not simply paying huge amounts of interest to the credit card companies. In
addition, the interest you pay on a mortgage may even be tax deductible. Pacific Atlantic's "Debt Consolidation" program allows you to consolidate your high interest rate credit
card debt (and any other high interest rate debts including student loans, car loans, personal loans, etc.) into a lower interest rate, first or secondary mortgage loan. Even if you have no
equity in your home, Pacific Atlantic can lend up to 25% above the value of your home (for qualified borrowers only).
Get Cash Out For...
Home improvements
Debt consolidation
Down payment to purchase additional property
Pay for college tuition
And more...
When you are ready to build the house of your dreams, you want to find the ideal location and a qualified builder. You also need an experienced construction lender to assist you in the successful completion of your dream house. Pacific Atlantic Mortgage is an experienced construction lender and servicer. We are able to help you select the appropriate terms for your construction and permanent loan. We will guide you through the construction process. Pacific Atlantic Mortgage can help you acquire the land and build your home. Our loan programs can also be used to build second/vacation homes and 1-4 unit investment property. We offer Conventional loan programs, up to 95% loan to value, that can be structured as:
Construction only
Single Closing to Fixed Rate or Adjustable Rate permanent loan
One Time Close Construction/Permanent loan (Fixed Rate or Adjustable Rate)
You may discover that you like your home and your location but its space and layout no longer meet your family's needs. If you decide that you want to remodel instead of moving to a different house, Pacific Atlantic Mortgage is an experienced provider of FHA and Conventional financing for Rehabilitation or Remodeling.
(Before)
(After)
Get Cash from your Home
You've worked hard for your home, isn't it time you let your home work for you? Pacific Atlantic offers home equity programs that fit almost any situation.
If you are considering home improvements, buying a new car or paying off high interest credit card debt, a home equity loan can help you achieve your goal. Pacific Atlantic offers a variety
of second mortgage loans and home equity lines of credit.
Good and Bad Credit
Get cash out for home improvements
Borrow up to 125% of your home's value*
Pay off high interest credit cards
Tax deductible interest**
Pacific Atlantic has myriad programs to help borrowers of all different credit levels, incomes, and situations. Our mortgage experts can help find the
right loan for you. Let our experienced mortgage counselors guide you in making the right choice for a second mortgage or home equity line of credit.
*For qualified borrowers only.
**Consult your tax advisor regarding the deductibility of interest.
Commercial Loans
Deciding to start or expand your business is a bold move. Making the decision on which loan meets your needs should not be difficult. You need a
lender who understands your situation and can offer you a loan at competitive rates. At Pacific Atlantic Mortgage we offer a wide
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