Division President
San Diego’s #1 Mortgage Professional
Over $2.3 Billion Career Loan Closings!
Why Choose Jim and Pacific Capital?
San Diego’s
Premier Direct Lender
We are one of California’s Top Rated Direct
Lenders. Our Lending Platform is unique in
that in addition to being a DIRECT LENDER,
we also have unique relationships with Niche
Lending Sources such as other Banks, Credit
Unions, and Private Lending Groups that give
us the ability to fund loans that other Banks &
mortgage companies just can’t.
Popular Home Loans
• 30 YEAR FIXED MORTGAGE offers low mortgage
rates on purchase or refinance home loans with the
security of knowing your payments won’t change
after you refinance or buy a home, no matter how
much rates fluctuate.
• FHA MORTGAGE ake advantage of purchasing
a home with as little as 3.5% down. An FHA
mortgage refinance offers the benefit of a federally
insured home loan with the low fixed mortgage
rate you are looking for.
• JUMBO MORTGAGE Need a larger home loan
with a smaller rate and lower payments?
Finding the right Jumbo Loan can be difficult.
Let the experts at ditech do the work for you.
| Loans up to $417,000 | Rate | APR |
| 30 Year Fixed | 4.0 | 4.346 |
| 15 Year Fixed | 3.25 | 3.50 |
| Loans up to $1,000,000 | Rate | APR |
| 5 Year ARM | 2.75 | 3.128 |
| 5 Year Interest Only ARM | 3.125 | 3.165 |
| FHA Rates $417,000 | Rate | APR |
| 30 Year Fixed | 3.875 | 4.807 |
| 15 Year Fixed | 3.25 | 3.788 |
View All Loan Programs