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San Jose, CA 95121
(408) 532-1278
mortgage@pacificwide.com

Explore Your Mortgage Options: Find the Perfect Loan for Your Home Financing Needs

When considering a loan program, it's important to assess your financial situation, credit history, down payment potential, and long-term goals to find the right fit. Seeking advice by contacting our loan officers can offer personalized guidance in selecting the loan program that aligns with your homeownership objectives. Each program is tailored to meet specific borrower profiles and needs.
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LOAN TERM

30-Year Fixed

Borrowers who prioritize long-term stability and predictability.

30-Year Fixed

Borrowers who prioritize long-term stability and predictability.
Requirements
  • Minimum 620 Credit Score
  • 3% Down Payment
  • 2% – 6% In Closing Costs
  • Debt-To-Income Ratio ≤ 50%
Benefits
  • Stable and predictable monthly payments over 30 years.
  • Lower monthly payments compared to shorter-term loans.
  • Ideal for long-term homeownership.
  • Provides protection against future interest rate increases.
LOAN TERM

25-Year Fixed

Borrowers seeking a shorter loan term with slightly higher monthly payments.

25-Year Fixed

Borrowers seeking a shorter loan term with slightly higher monthly payments.
Requirements
  • Minimum 630 Credit Score
  • 5% Down Payment
  • 2% – 5% In Closing Costs
  • Debt-To-Income Ratio ≤ 43%
Benefits
  • Builds equity faster than a 30-year mortgage while still offering manageable monthly payments
  • Suitable for those who want to pay off their mortgage sooner and save on interest
LOAN TERM

15-Year Fixed

Borrowers who want to pay off their mortgage quickly and minimize interest costs.

15-Year Fixed

Borrowers who want to pay off their mortgage quickly and minimize interest costs.
Requirements
  • Minimum 640 Credit Score
  • 10% Down Payment
  • 2% – 5% In Closing Costs
  • Debt-To-Income Ratio ≤ 43%
Benefits
  • Shorter loan term and faster equity buildup.
  • Lower interest rates compared to longer-term loans.
  • Suitable for those with higher income levels and long-term financial stability.
LOAN TERM

Adjustable Rate Mortgage (ARM)

Borrowers who plan to sell or refinance before the initial fixed-rate period ends.

Adjustable Rate Mortgage (ARM)

Borrowers who plan to sell or refinance before the initial fixed-rate period ends.
Requirements
  • Minimum 620 Credit Score
  • 5% - 20% Down Payment
  • 2% – 5% In Closing Costs
  • Debt-To-Income Ratio ≤ 50%
Benefits
  • Lower initial interest rates compared to fixed-rate mortgages.
  • Ideal for short-term homeowners or those anticipating income increases in the near future.
LOAN TYPE

Conventional Loans

Borrowers with good credit and a steady income, and those who can make a down payment.

Conventional Loans

Borrowers with good credit and a steady income, and those who can make a down payment.
Requirements
  • Minimum 620 Credit Score
  • 3% - 20% Down Payment
  • 2% – 5% In Closing Costs
  • Debt-To-Income Ratio ≤ 50%
Benefits
  • Flexible loan terms.
  • Competitive interest rates.
  • Various down payment options.
LOAN TYPE

FHA Loans

First-time homebuyers or those with lower credit scores and limited down payment funds.

FHA Loans

First-time homebuyers or those with lower credit scores and limited down payment funds.
Requirements
  • Minimum 580 Credit Score
  • 3.5% Down Payment
  • 2% – 5% In Closing Costs
  • Debt-To-Income Ratio ≤ 43%
Benefits
  • Lower credit score requirements.
  • Lower down payment options.
  • More lenient qualification criteria.
LOAN TYPE

VA Loans

Eligible active-duty military personnel, veterans, and their spouses.

VA Loans

Eligible active-duty military personnel, veterans, and their spouses.
Requirements
  • No Minimum Credit Score
  • No Down Payment Required
  • 1% – 3% In Closing Costs
  • Debt-To-Income Ratio ≤ 41%
Benefits
  • No down payment requirement.
  • Lower interest rates.
  • No private mortgage insurance (PMI) requirement.
  • Additional VA benefits and assistance.
LOAN TYPE

USDA Loans

Borrowers looking to purchase homes in eligible rural and suburban areas.

USDA Loans

Borrowers looking to purchase homes in eligible rural and suburban areas.
Requirements
  • Minimum 640 Credit Score
  • No Down Payment Required
  • 1% – 3% In Closing Costs
  • Debt-To-Income Ratio ≤ 41%
Benefits
  • No down payment requirement.
  • Competitive interest rates.
  • Affordable housing options in rural communities.
LOAN TYPE

Jumbo Loans

Borrowers seeking to finance higher-priced properties.

Jumbo Loans

Borrowers seeking to finance higher-priced properties.
Requirements
  • Minimum 700 Credit Score
  • 10% - 20% Down Payment
  • 2% – 5% In Closing Costs
  • Debt-To-Income Ratio ≤ 43%
Benefits
  • Financing options for loan amounts that exceed the conforming loan limits.
  • Flexible down payment options.
  • Competitive interest rates.
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LOAN OPTIONS

30-Year Fixed

25-Year-Fixed

15-Year-Fixed

Adjustable Rate Mortgage

Conventional

VA Loans

USDA Loans

Jumbo Loans

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3005 Silver Creek Rd STE 210-214, San Jose, CA 95121

(408) 532-1278

mortgage@pacificwide.com

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