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Home Purchase Loans and Refinance in Texas & Arizona 

Welcome to the official site of Pacific Capital Mortgage, Inc. We are a full-service mortgage company headquartered in McAllen, Texas with a branch office in Bullhead City, Arizona. We specialize in Home Purchase Loans and Home Refinance Loans and Investment Property Loans locally as well as Fix & Flip Loans nationwide. We also offer business purpose Real Estate Loans nationally throughout the USA for investment projects, Rehab or Ground Up Construction. Whether you are buying a home or refinancing a home or expanding your real estate investment portfolio, we can help you realize your dreams of homeownership or maximizing your wealth through Investment Real Estate.

In terms of Purchase Loan programs, we offer the following:

FHA | VA | USDA | HomePath | Jumbo | Commercial | Conventional

Refinancing? We can help you with that, too!

We offer a wide range of refinance options, designed to best meet the needs of local borrowers. If you're looking for cash out, or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs:

FHA Streamline | FHA Cash Out | FHA 203k | VA Streamline | VA Cash Out | USDA | Conventional | Reverse | Commercial | Jumbo Loans

What makes Pacific Capital Mortgage, Inc. unique is that we offer the following niche programs as well:

No Cost Refinance Loan, No Income Verification Loan, Fix & Flip Rehab Loan, Bank Statements only Loan, DSCR (debt service coverage ratio) Rental Property Loans, Ground Up Construction Loan, Foreign National No Qual Loan, and Reverse Mortgage.

Contact Pacific Capital Mortgage, Inc. today to discuss your mortgage loan options, and find out which loan program will best suit your needs.

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Our most popular loans

Most people get one of these

30 Year Fixed

2.500% | 2.660% APR

15 Year Fixed

1.990% | 2.160% APR