Types of Loans


New Home Loan

A first mortgage is the primary loan borrowed to pay for a home. It can be the loan used to purchase your very first home, or it can be the loan that refinanced your previous home loan.


Mortgage Refinance

If you own a home, refinancing can be a great money saving opportunity. You could lower your monthly mortgage payments and free up cash for home improvements, debt consolidation, college tuitions, and more.  Another thing you will want to look at when considering refinancing is whether or not to lock the mortgage rate you are quoted. You will also have to consider for how long to lock the rate.


Debt Consolidation Loan

Debt Consolidation is an excellent way to reduce your monthly payments while satisfying all of your credit obligations without the stigma of non-payment or bankruptcy. Debt consolidation is a viable alternative to bankruptcy and its benefits include: Consolidation of Debt, Eliminate Creditor Harassment, Reduce Your Pay-Off Time, Lower Your Monthly Payments, Save on Interest and Late Charges, Plan Your Consolidation.


Equity Credit Line

If you need to borrow money, home equity lines may be one useful source of credit, as you need it. Initially at least, they may provide you with large amounts of cash at relatively low interest rates and they may provide you with certain tax advantages unavailable with other kinds of loans. (Check with your tax advisor for details.)


Equity Credit Loan

An Equity Credit Loan is a lump some loan borrowed from the equity acquired in your home, it can be used for home improvements, a major purchase, for cash on hand, a vacation, a child's education or whatever purpose you may need it for.


Home Improvement Loan

A Home Improvement Loan can make your house into the home you've been dreaming of.  It can allow you to make necessary repairs, update kitchen and/or bathrooms, build an addition or even add a pool.  These improvements can increase the overall value of your home.


Western Pacific Loans, Inc - Rob Penrose
1229 College Ave. Santa Rosa, Ca., 95404

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