Pacific Mortgage Group

1. Access to a wide range of loan options: As wholesale mortgage brokers, we have relationships with multiple lenders, including banks, credit unions, and private lenders. This gives you access to a broader selection of loan products and programs compared to retail lenders. We can help you find the best loan options tailored to your specific financial situation and goals. 2. Competitive interest rates and fees: We can give you access to wholesale rates and pricing, which can be more competitive than what you might find at retail banks or lenders. By leveraging our network of lenders, we can negotiate better terms, potentially saving you money over the life of your loan. 3. Expertise and personalized guidance: Our team provides you with personalized guidance, helping you navigate through the mortgage process, understanding different loan options and finding the most suitable solution for your needs. Our expertise can be particularly valuable if you have a unique financial situation or credit history.

The exact down payment you require to purchase a home depends on the mortgage product for which you are applying as well as your other qualifications as a homebuyer. There are some mortgage products that we can recommend especially for homebuyers who want to avoid a large down payment. These include FHA loans, which have low down payments, and USDA and VA mortgages, which have no down payment. Conventional mortgages are worth a look too, especially with excellent qualifications. If you are still struggling to come up with the money you need to make your down payment, there are also down payment assistance options that we can help you check into.