PCL is pleased of offer Just Missed the Mark Credit alternatives for borrowers who can demonstrate the ability to repay, but otherwise don't meet agency guidelines due to various reasons, great program for the self employed including:

  • Prior Housing/Credit Events

  • Foreclosure 2 years

  • Short Sale 2 Years

  • BK 2 Years

  • Up to 90% LTV

  • Mortgage late 1x30

  • S/E Business Banks

  • Use Middle Score of Primary Wage Earner

  • No Prepayment Penalty

  • FICO Score 650

PCL is pleased to offer Non-Conforming credit alternatives for borrowers who can demonstrate the ability to repay, but otherwise don't meet agency guidelines due to various reasons, including:

  • Prior Housing/Credit Events

  • High DTI up to 50%

  • 5 Different Programs A-C

  • BK 3 years - settled

  • Foreclosure 3 years - settled

  • Short Sale 2 years - settled

  • Purchase to 90% LTV

  • FICO as low as 500

  • No Prepayment Penalty

  • 30 year Fixed

  • SE 24 months Business Bank Statements

  • Non-Owner

  • Loan Amounts $2mil+

Special Financing Programs

CURIOUS ABOUT RATES?

With our competitive rates that are lower than most, give us a call today to compare, we think you’ll be surprised.

DO UNTO OTHERS AS YOU WOULD HAVE THEM DO UNTO YOU. ~ MATTHEW 7:12

2016 Pacific Community Lender

Licenses: Individual NMLS# 226858, BRE# 01171862

Corporate: NMLS# 1322440, BRE# 01949419

190 S Orchard Avenue Ste. B-115, Vacaville, CA 95688

707-477-6687

Rates and Programs subject to change without notice. We cannot guarantee that you will get a loan

  • Yelp Social Icon
  • Facebook Social Icon
  • LinkedIn Social Icon