At Pacific Direct Mortgage, we know that traditional lenders often deny loans based on rigid DTI limits, even when the borrower has strong equity, good income, and a solid plan.
We’re different. We don’t calculate DTI or require income documentation the way banks or other traditional lenders do. If you have equity and a clear goal, we can help get you a loan!
Why We Say Yes When Others Say No:
Our focus is on the asset, the equity, and your strategy, not your monthly debt.
Ideal for Borrowers Who:
- Have been denied due to high DTI ratios.
- Are self-employed or have fluctuating income.
- Carry personal or business debt but have good equity in their properties.
- Need fast closings without the red tape of strict lending qualifications.
Minimum Requirements:
- 25% down payment for purchases (subject to borrower profile).
- 35% equity required for refinances.
- Clear use of funds and repayment plan.
Whether it’s a purchase, refinance, or cash-out deal, if there’s equity, we can work with you to find a solution for that alternative and creative mortgage you’re looking for.
Direct Lending, Real Results
We’ve spent decades helping borrowers, buyers and investors across California close loans that banks and traditional lenders simply wouldn’t or couldn’t. As a local family-owned, direct private lending company, we move quickly, communicate clearly, and work with real-life scenarios – not just numbers on a form.
Call us at 707-708-0797 or reach out through the below form for a free quote. Skip the DTI problems and get your loan moving!