We're a local company you can depend on, even after the papers are signed.

We take personal pride in answering every one of your most important questions.

We'll guide you through every step of the mortgage loan process, from start to finish.

Our job is not about financing a house, it's about discovering your new home.

HOW MUCH WILL MY MORTGAGE PAYMENT BE?

Our easy-to-use calculator will help you decide if the monthly payment is right for you.

Mortgage Calculator

Monthly Payment

$1,818.06

Taxes And Insurance Are Not Included

WHAT TO EXPECT FROM US


No Application Fee

0.00

No Broker Fee

0.00

No Processing Fee

0.00

Effective Communication

We “connect the dots” to make the process easy to understand.

Amazing Service

We will guide you every step, from start to finish.

“No Excuses” Mindset

We are molded by "Attitude is Everything".

WHAT WE BELIEVE IN

CHARACTER

Honesty, Integrity and Humility

RESPECT FOR ALL

Faith, Compassion and Care

KNOWLEDGE

Excellence and Efficiency

PASSION TO SERVE

Unmatched Energy and Enthusiasm

FAMILY

Our Number 1 Priority

CHOOSING THE RIGHT LOAN

WHICH TYPE IS RIGHT FOR YOU?

Whether you are Buying your first home or moving up to a nicer place, Refinancing to shorten your term to save money, or want to Renovate your current home, we have a loan program that will fit your needs. We do it all!

WHAT OUR VALUED CLIENTS SAY

Michael E.

Registered Nurse (RN)

Chris and his team did an amazing job on having my mortgage refinance approved seamlessly with the best rate possible. I am so grateful and appreciative of the efforts they provided. More power to you and your company!

John T.

Marketing Group Lead

Great Broker! Great Service! Awesome Rates! Took the time to explain every detail of the mortgage application. I've done a few purchase and refinance in my life but I've never been impressed on how this shop do business! Great work, Chris!

Cecille C.

Senior HR Rep.

This entire team is the perfect blend of passion and pragmatism. From the first time we spoke to Chris and his team we could tell that they took pride in the service they provide. Their passion, industry knowledge, and professionalism is a winning combination that could benefit any home buyer.

Michaela G

Registered Nurse (RN)

Chris and Gina answered all our questions and were always available! Chris is extremely professional and definitely delivers! He promised to get us the best deal and the best rate for our loan and that’s exactly what he did! Highly recommend Chris and his team at Pacific One Mortgage!!

Ready To Apply?

IT’S FAST & EASY!

THE LOAN (BUYING) PROCESS

WE WILL GUIDE YOU EVERY STEP

Step 1. Get Pre-Qualified

Organize and prepare these simple documents: W2, Pay stubs and Bank statements to find out how much home you can afford. We will discuss payment examples based on a set of examples like Sale price, Taxes and Insurance. Upon completion, we will issue a Pre-Approval letter.

Step 2. Shop for your Dream Home!

Now that you’ve done your homework, it’s time to enjoy looking for that special place that you can call home.

Keep in mind: Location, location, location!!!

Step 3. Completing the Mortgage Application

After securing a signed contract, we will go through, complete and sign the loan application.

Step 4. Submit for Underwriting Approval

This is where our completed application gets submitted then reviewed by an underwriter that will also allow us to order an appraisal to determine the subject property’s official market value. Next, we will get an “initial underwriting approval” that will have a list of outstanding items (called “underwriting conditions”) to be satisfied towards getting a clear to close.

Step 5. Closing your Loan

After getting a clear to close, you will be receiving an approved Closing Disclosure or CD that contains all the charges and costs prior to the actual time of closing. Your loan will be scheduled for closing where the Buyer, Seller, both Attorneys and a Title closer will be working together to get the final documents signed and approved by the funding lender.

Congratulations on your new home!

Talk to us!

HAVE ANY QUESTIONS ABOUT THE MORTGAGE PROCESS? WE are happy to assist YOU SO SIMPLY FILL OUT BELOW AND WE WILL GET BACK TO YOU AS SOON AS POSSIBLE.