Own the home of your dreams at a mortgage rate you can afford.
Finance the best mortgage products * .
Talk to our specialist.
Wholesale/Retail Account Executive
Phone: (213) 355-8995
Email [email protected]
Contact a mortgage lender and get started today.
NMLS Registered Loan Originators
Residential Mortgage Center:
Phone (855) 305-3701
Mortgage brokers, partner with industry experts.
In addition to retail services, PCB Bank is an industry leader in wholesale lending markets, offering competitive pricing, excellent customer service, and flexible underwriting for our mortgage broker clients. We can help expand your business in diverse communities by encouraging homeownership throughout California.
Partner with us and get the swift lending decisions, personalized service and comprehensive loan packages your business depends on.
Homeowners Assistance
At PCB Bank, we understand that everyone goes through difficult times and that is why we are here to help. If you cannot afford your monthly mortgage payments and wish to avoid foreclosure, you may be eligible for a loan workout or modification. We determine eligibility for loan workouts on a case-by-case basis. Among other things, we will consider the value of your property and your ability (based on your current income) to make monthly mortgage payments in accordance with the workout.
Here are some helpful tips to help you prepare to purchase your first home:
You can choose from several types of mortgage loans to finance your home purchase. Our experts can help you understand the differences between the various loan options, so you find one that best suits your financial situation. Contact us at 855-305-3701.
Use our home mortgage calculator to help see how much home you can afford .
If you plan to be in your home for more than seven years, you may want to consider a fixed-rate mortgage, which offers predictable payments and long-term protection against rising mortgage rates. If you plan to be in your home for seven years or less, an adjustable-rate mortgage (ARM) could be attractive. Keep in mind that with an ARM, your monthly payments have the potential to go up each time your interest rate adjusts.
Please contact us 855-305-3701 for the most current rates. Our experienced staff will help provide the most up-to-date information you need.
When you pay a discount point, you’re essentially paying part of your interest to the lender upfront. This will lower your interest rate — as well as your monthly payment — over the life of the loan. One discount point is always equal to 1% of the loan amount. For example, one point on a $100,000 loan would require payment of $1,000 at closing. The longer you plan to remain in a property or hold your mortgage, the more advantageous it is to pay points. There’s no requirement to pay discount points. The decision is completely up to you.
Some types of mortgages and homeowner costs may be tax-deductible, including discount points, interest paid on a home loan and property taxes. Consult your tax advisor for advice about your unique needs.
Refinancing your mortgage means you’ll obtain a new mortgage loan to replace the one you currently have.
You may want to consider refinancing if you’re interested in paying off high-interest debt, shortening the length of your repayment term for your mortgage, or lowering your monthly mortgage payment.
Generally speaking, one or more of the following conditions needs to be present before you should consider refinancing:
Yes. PCB Bank offers a variety of options that allow you to tap into your home's equity and take cash out. Contact our experts 855-305-3701 for the best cash-out refinancing option for you.
There are several reasons to consider refinancing:
Cash-out refinancing can help homeowners who want to consolidate high-interest debt. Because your mortgage rate is likely to be lower than rates on credit cards or other types of bank loans, consolidating debt may reduce your overall monthly debt payments.
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