Are you looking to refinance your house and get some cash out? Consolidate your debts? Pacific Financial Bancorp is the place for you! We offer the best loan programs and rates to meet your needs. Stop renting and

, or cash out for any need. Our zero down payment options include VA or USDA loans, 3. rates. Our services include Conventional Loans, FHA and FHA Streamline, USDA and USDA Refinance, VA and VA Refinance, HARP, Home Path, High Balance Loans, and Jumbo Loans.You can

loan for your specific needs. We provide programs such as Home Affordable Refinance Program (HARP), Purchase, Rate and Term Refinance, Cash-out Refinance, Fannie Mae Conventional, High-balance and Adjustable-Rate Mortgages (

offer a wide range of niche loan programs, including purchase, rate and term refinance, cash-out refinance programs, Fannie Mae conventional, high-balance and adjustable-rate mortgages (ARMs), jumbo,

with transparency in the mortgage loan process, whether it’s pre-approval loan officers specialize in home loans, VA loans, FHA, jumbo financing, first time home buyers, refinance, equity, and cash out loan refinancing. We are dedicated to finding the lowest rates and

, VA home loans, FHA home loans, conventional (Fannie/Freddie) home loans, jumbo home loans, VA IRRRL, FHA Streamline, refinance, rate & term, refinance, cash-out/debt