Founded in 1989, Pacific Residential Financing has grown from a brother and sister team to an ever expanding company doing business in over a dozen states. Our volume of transactions allows us to offer our clients some of the best programs at the lowest rates available in the marketplace today. While growing as a company, we never forget our roots as a family run operation and we know that the key to our success has been our commitment to focusing on the customer.  We strongly believe that relationships are the cornerstone of a successful business and we live our motto of being your lender for life.

Mortgage Banker and Mortgage Broker

Pacific Residential is both a mortgage banker and a mortgage broker. While most companies choose to be either a banker or a broker, we see the strength in being both, allowing more options for our clients with access to over 99% of the loan programs available today. As a mortgage banker, we can underwrite and fund loans in-house with our own money, giving you greater control throughout the loan process.

     Since we started as a mortgage broker, we have years of experience and preferred broker status with over  100 lenders across the nation. This provides us access to an even greater menu of loan programs at competitive rates and terms. So, if for some reason we can not fund your loan with our own money...we can find another investor that will. In theory, we can get anyone a loan.

Pacific Residential specializes in having the right loan for your client….

Multi Million Dollar Loans                                   Zero Down Payment Loans                             

Stated Income Loans                                        Zero Point / Zero Fee Loans

Pay Option Loans                                             Construction Loans

Interest Only Loans                                           Bridge Loans

No Documentation Loans                                   Home Equity Lines of Credit

Loans for Less Than Perfect Credit                     Non Owner Occupied Loans

First Time Homebuyer Programs                        Loans for Second Homes