Mortgage Solutions Tailored to Your Needs
Explore Our Loan Options
Discover Pacor Mortgage loan options that best suit your homeownership needs, whether you are purchasing a home or refinancing an existing home.
Browse Financing Categories
Identify your homeownership goals and let Pacor Mortgage help you find the ideal financing solution to fit them all.
Loan Options
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Conventional Loans
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VA Loans
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Jumbo Loans
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FHA Loans
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Reverse Mortgage
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USDA Loans
Conventional Loans
Conventional Loans at Pacor Mortgage offer a reliable mortgage option for borrowers who prefer fixed or adjustable rates, with payments structured for consistent monthly budgeting. While they typically require a down payment starting at 3% and adhere to Federal National Mortgage Association (Fannie Mae) guidelines, these loans provide the benefit of predictable costs and the potential to avoid mortgage insurance with a 20% down payment, making them a great choice for long-term financial planning.
VA Loans
Veterans Affairs Lending Option: The VA Loan Guaranty Program, established in 1944, empowers service members to achieve homeownership by offering a powerful lending option with unique benefits. VA loans allow qualified veterans to purchase homes with no down payment and no private mortgage insurance (PMI), while also providing competitive interest rates, less stringent underwriting standards, and the potential for sellers to cover closing costs, making homeownership more accessible than ever.
Jumbo Loans
Jumbo loans are mortgages that exceed the conventional conforming loan limit of $806,500 set by Fannie Mae and Freddie Mac, providing financing for higher-value properties, though they often come with higher interest rates compared to conforming loans.
FHA Loans
Federal Housing Administration (FHA) loans offer a strong financing option for homebuyers with less-than-perfect credit, allowing qualification after bankruptcy or foreclosure, with competitive rates, up to 96.5% financing at a 3.5% down payment, and flexible debt-to-income ratios, making homeownership accessible for first-time buyers and those with low to moderate incomes.
Reverse Mortgages
Reverse mortgages are equity release options for seniors aged 62 or older, allowing them to convert home equity into cash without monthly payments, with the loan deferred until they sell, leave, or pass away, while still requiring the payment of property taxes, insurance, and maintenance costs.
USDA Loans
U.S. Department of Agriculture (USDA) home loan program offers options for low-income homebuyers in rural areas, providing 100% financing with no down payment or mortgage insurance, flexible terms, and payment assistance to make homeownership more accessible.
Browse Financing Options
Which financing category are you in?
Identify your homeownership goals to discover the ideal financing product from our home loans.
PURCHASE
Your Path to Homeownership Starts Here
Discover personalized programs at Pacor Mortgage, including low down payment and nontraditional credit options, to help you smoothly transition from renter to homeowner and enjoy the rewards of homeownership.
REFINANCE
Unlock New Savings and Better Terms
Refinance your loan with Pacor Mortgage today to take advantage of historically low rates, explore diverse options tailored to your needs, and achieve your home financing goals quickly and easily.
GOVERNMENT
Accessible Financing with Government Backing
Uncover the benefits of government-insured FHA financing to bring your homebuying goals closer, as FHA loans require a low 3.5% down payment, have no income limits, can be used for subsequent purchases or refinancing, and are user-friendly with options for non-occupant co-signers and energy-efficient improvements.
AFFORDABILITY PRODUCTS
Making Homeownership Within Reach
Start shopping for your dream home with Pacor Mortgage’s low down payment programs, which make homeownership attainable by minimizing cash requirements, increasing purchasing power with gifts or grants, and offering flexible guidelines that accept non-traditional credit and seasonal income.
RENOVATION
PRODUCTS
Transform Your Home with Tailored Financing
Renovate your new or existing home with Pacor Mortgage Corp.'s variety of home renovation loan options, including streamlined renovation loans for cosmetic updates, Homestyle renovations for small additions, and construction loans that cover major projects—all designed to increase your buying power and make your dream home a reality without the hassle of multiple closings.
