Pacific Capital Mortgage is a San Diego, California Direct Lender. They offer 40-Year Fixed Rate Mortgages, 30-Year Fixed Rate Mortgages, 15-Year Fixed Rate Mortgages, 3/1 Adjustable Rate Mortgages, 5/1 Adjustable Rate Mortgages, 7/1 Adjustable Rate Mortgages, 10/1 Adjustable Rate Mortgages, Cash Out Refinances, Second Mortgage Refinances, Interest Only Loan Refinances, FHA Loans, FHA Renovation Loan Projects, VA Loans, GSE Conforming Jumbo Loans, Super Jumbo Home Loans, Private Mortgage Lending and even Stated Income Loans.