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LOANS

Home Loans

At Pacific City Bank, we can help put you on a path to owning the home of your dreams. Buying a home is often the single most important purchase you will make, and our simple, direct, and personal approach to banking will provide you the peace of mind that you are in good hands throughout the loan process.


Make your dream come true

Your dream of home ownership can become a reality. Our home mortgage experts are here to help you finance your new home or refinance your existing home. Give us a call and get started with personalized attention and guidance during every step of the loan process.

Tips for first-time homebuyers

When buying or refinancing, many factors can determine how much you can borrow, such as your income, assets, and credit history. Our experts are here to provide you with the highest level of service and attention, so you will know exactly how to qualify for a loan and how much you can afford.

Costs of buying a home

When you find the home of your dreams, the last thing we want is for you to be deterred by unexpected fees. Home inspection, appraisal, title, recording, and escrow fees are some of the upfront costs that may be incurred during your path to home ownership. In some cases, transfer taxes may even be assessed. Our experts will guide you every step of the way to ensure that you will not be hindered by surprise costs.

Ongoing costs of owning a home

Utilities, property tax, repairs, replacement of appliances, insurance, and services, such as trash and landscaping, are some of the general costs of owning a home. Condominiums may not have the same costs as a house, but they do have other monthly maintenance fees, or association dues. Our mortgage experts will help prepare you for ins and outs of home ownership.

Partner with industry experts!

In addition to retail services, Pacific City Bank is an industry leader in wholesale lending markets, offering competitive pricing, excellent customer service, and flexible underwriting for our mortgage broker clients. Pacific City Bank provides an opportunity for brokers to expand their businesses within diverse communities by encouraging homeownership throughout California and New Jersey.

Swift lending decisions, and personalized service will provide mortgage brokers with the most comprehensive and convenient loan packages.

Broker Access Tools
Residential Mortgage Center:
Phone 213-355-8899
Fax 213-210-2054