Pacific Trust Bank has expanded its fixed and adjustable rate mortgage loan programs to meet the home financing requirements of most borrowers.  But we’re not stopping there.

As a "portfolio lender", we may be able to customize loan terms for borrowers with special needs or financial objectives.

Within our ability to do so, we can create a loan with the maturity date, amortization terms, fixed or adjustable rate features and payment amounts that best match the borrower's needs.

For example:

• A borrower might be satisfied with most of the features of our 3-One-30 adjustable rate mortgage (ARM), but want a loan that will fully-repay by his anticipated September 30, 2015 retirement date. We can do  that!

• Or, on the same 3-year ARM, the borrower may want the rate to adjust based on the 11th District Cost of Funds or MTA index, instead of the 1-year T-Bill index. We can do that!

• Or someone selling his home may need a special short-term loan to make required repairs prior to closing the sale.   We can even do that!

Loan costs are normally higher for Jumbo loan amounts (greater than $417,000) and usually require PMI on loan amounts greater than 80% of your home’s value. At Pacific Trust, we can custom-tailor loan terms to help you avoid these higher costs, and to better meet your financial goals.

Pacific Trust’s innovative loan products and finance structuring, like an Interest-Only ARM loan coupled with a second mortgage, could eliminate Jumbo loan rate premiums, and avoid PMI charges on your loan. With our wide array of adjustable and fixed rate loan programs, there are dozens of ways we can tailor them to meet individual financing goals.

Whatever your home financing objectives and loan term preferences -- if it makes sense, Pacific Trust Bank is willing to work with you.

Call us toll-free at (877) 441-BANK, and ask a Pacific Trust Bank loan representative to help you select the home loan features that will best meet your financing needs and make your home ownership dreams come true.