Firm News


At the Private Bank, we’re well acquainted with the needs—and the opportunities—that complex real estate financing can create. .

Wour mortgage specialists are specialized partners in the process. They’ll present a range of tax-efficient strategies for you to discuss with your wealth advisors, and offer personalized recommendations regarding structure, term and type of loan.

We design each mortgage to fit your personal situation. It could be purchasing a new home. Refinancing an existing mortgage. Or getting access to the equity in your home.

An exceptional approach, so that you feel at home

When you’re a East Pacific Bank Private Bank client, our mortgage process comes with an extraordinary level of service:

  • Nontraditional financing and underwriting capabilities.
  • Ability to structure loans to trusts, LLCs, and partnerships, or other nontraditional entities.
  • Conditional approval process that allows you to act quickly when you’ve found the right home.
  • Streamlined processing, with one of our mortgage specialists as your single point of contact from application to closing.
  • Relationship pricing for clients with at least $1 million in investments or deposits with East Pacific Bank.

The delight is in the details

We offer our U.S. clients highly competitive rates for jumbo mortgages and a range of features and benefits:

  • Preferred rate for new-purchase mortgages.
  • Complimentary rate reduction if interest rates drop 0.25% or more between application and closing.
  • No fees charged by East Pacific Bank. Pay only third-party costs incurred on your behalf, such as appraisals.
  • Loan closings in a location you select.
  • Option to make and manage mortgage payments via our smartphone or tablet, East Pacific Bank MobileSM.

Loans below $500,000 will include a one percent (1%) origination fee.