Welcome to PacRes Wholesale

Conventional

With multiple terms and loan-to-value (LTV) options—including high LTV options with mortgage insurance—these products are perfect for borrowers of all income levels with moderate to great credit scores.

FHA Loan

With a low down payment option and flexible income, debt, and credit requirements, these products may benefit borrowers with low-to-moderate income and limited savings. It includes the option to apply gift funds towards the down payment.

VA Loan

Created exclusively for eligible active-duty military members, veterans, and surviving spouses, these products offer a no down payment option and come with flexible income, debt, and credit requirements.

USDA

Designed for buyers who prefer pastures over pavement, this product comes with a no down payment option and offers flexible income, debt, and credit requirements for low-to-moderate income borrowers.

Jumbo

For those who require loan amounts in excess of conforming loan limits, these products offer fixed-, adjustable-, and interest-only options for buyers who are investment-minded or interested in buying a home in a more expensive neighborhood.

Non-Qualifying Mortgage (Non-QM)

These products offer high LTV and interest-only options for borrowers who have non-traditional income and less than perfect credit, or income that falls outside guidelines set by standard mortgage programs. These loans follow regulatory guidelines while considering a borrower’s Ability to Repay (ATR) and cash flow through personal or business bank accounts.

RateSafe

If a borrower is ready to buy, but still searching for the perfect space, this product gives them time to shop knowing their interest rate will stay the same for up to 120* days. Eligible for conventional, FHA, and VA loan programs.

*The RateSafe lock is only valid until expiration date. If the lock expires, the rate is subject to change. In the event the loan does not fund on or before lock expiration date, the loan must be re-locked at current pricing. Your rate could potentially change based on specific changes of circumstances, such as changes in LTV or credit score. Locking your interest rate does not constitute loan approval.

TBD Underwriting

TBD Underwriting helps home buyers stay competitive with cash offers and know the exact amount they can borrow by providing conditional approval before a purchase contract is in place and is available on all products!