Loan Programs:

1. Conventional Loans: Pacific Home Loans offers conventional mortgage loans, which are the most common type of home loan. These loans typically require a higher credit score and a down payment of at least 3%, but they offer competitive interest rates and flexible terms.

2. FHA Loans: The company also provides Federal Housing Administration (FHA) loans. These loans are backed by the government and often have more lenient qualifications, making them accessible to borrowers with lower credit scores or smaller down payments.

3. VA Loans: Pacific Home Loans offers VA loans, which are specifically designed for veterans, active-duty service members, and eligible surviving spouses. These loans require no down payment and offer favorable terms and rates.

4. USDA Loans: The company provides USDA loans, which are backed by the United States Department of Agriculture. These loans are available to qualified borrowers in eligible rural and suburban areas and offer low or no down payment options.

5. Jumbo Loans: Pacific Home Loans offers jumbo loans for borrowers who need financing above the conventional loan limits. These loans are ideal for purchasing high-value properties and typically require higher credit scores and larger down payments.

6. Refinance Loans: The company assists homeowners with refinancing their current mortgages. Whether borrowers want to lower their monthly payments, shorten their loan term, or tap into their home's equity, Pacific Home Loans can help explore refinancing options.

Please note that specific terms, rates, and requirements may vary depending on individual circumstances. We encourage potential borrowers to contact Pacific Home Loans directly to discuss their unique loan needs and receive personalized information.