Thank you for visiting my website, I look forward in getting to know you by assisting you with mortgage needs and becoming a resource for all your lender needs.
My name is Cynthia Romero-Lowary, I am a Senior Loan Consultant with Capital Pacific Home Loans. I take pride in my reputation for quick responses to my client’s needs and educating my clients on all available mortgage options, with honesty and integrity. My Team of Operations is located all under one roof, Processing, Underwriting, Doc Drawing & Funding, which has created an advantage for loans closing on time!
Conforming loans are $453,100 and High-Balanced loan amounts are $679,650. Our Jumbo product lends up to 3 Million.
Lending Programs for all borrowers- Conventional, FHA, VA, USDA, Jumbo, Fixed & ARM
Veterans – 100% financing is available for our Veterans!
Cal-HFA- Bond Programs finances up to 105% LTV for First-time Home Buyers
GSFA Grant Program – Works with Conventional, FHA, VA and USDA loan programs and will contribute up to 5% of a client’s first loan amount to purchase or refinance. No first-time home buyer requirements.
Portfolio- 1 Day out of Foreclosure, Short Sale, or Deed-In Lieu – Designed for borrowers with less-than-perfect credit to purchase. This program provides home ownership to those who are well qualified with income and down payment.
Self Employed Borrowers – 2 Year’s history Required, Bank Statement Portfolio Program
Fix N Flip- Construction Experience Required, up to 75% LTV of “As Is Value” NOT SUBJECT to Escrow Hold Backs
Lending Specialist in 48 States.
Getting a mortgage can be stressful and confusing—after all, it is the single largest purchase most people will ever make. With nationwide lending, we are never more than a phone call away.
My goal is to make the process as easy as possible. Typical turn time from start to finish is less than 20 days. Whether you’re refinancing a mortgage or buying a home, you deserve a smooth, respectful and personable transaction.
I’m here to answer any questions you might have about our products and services. Feel free to contact me using any of the following methods:
Phone: (925) 783-6965
I also speak Spanish