Loan to values are based of independent third-party broker opinions or appraisals, and the above values may be exceeded depending on the loan specifics.
Lower LTV loans can qualify for a lower rate and cost. Higher LTV loans may require a higher rate and cost.
The above rates and points are a starting point for 1st trust deed loans. Specific loan amounts, rates, fees, loan to values, and other terms may vary, and can only be provided after a complete file review upon receipt of additional documents and information. The above interest rates reflect the simple annual interest rates.
The APR for the rates reflected above are 8%=9.98%APR, 9%=11.03%APR, 10%=12.07%APR, 11%=13.11%APR, with the following assumptions made: $1,000,000 loan amount, 24 month term, interest only, 2 points to Cal Pac Capital, 1 point to originating broker, $2,500 in Cal Pac Capital fees, and 15 days per diem interest. Cal Pac Capital does not offer owner-occupied residential, or consumer loans. Referring mortgage brokers protected.