Have you been frustrated by loan officers who:
- Don't communicate with you?
- Are inexperienced and don't know the local area?
- Are slow at providing pre-approvals?
- Don't listen to your needs?
- Cost you time and money with constant delays?
- Aren't transparent?
If so, you need an experienced loan officer to guide you each step of the way.
Why choose PACFI Home Loans?
Communication
We prioritize clear, consistent communication every step of the way. You’ll never be in the dark about your loan status.
Efficiency
Your time is valuable. Our process is designed for maximum efficiency, meaning quicker approvals and faster closings.
Problem Solving
We excel at finding creative and effective solutions to ensure a smooth journey from application to closing.
Technology
Using the latest technology allows us to streamline the loan process. Making it faster, easier, and more convenient for you.
Knowledge
We are well-versed in the ins and outs of home loans, and continuously update our knowledge to keep up with market trends, loan options, and regulations. You can trust us to provide accurate and up-to-date advice for your situation.
Friendly Service
At PACFI Home Loans, we strive to create a welcoming and positive atmosphere for all our clients.
Our Loan Process Is Simple
1. Apply
Complete an online application and submit documents.
2. Get approved
We will submit your loan with the best lender for your situation, and receive your loan approval.
3. Close
Sign loan documents, close quickly, and enjoy your home!
We know how frustrating it is to work with an inexperienced loan officer. Read what our clients have to say about working with us.
Emily BahemDecember 29, 2023.Paul has been and is the best help we found in the valley!! He worked around the clock to help me and my Husband buy our first home when others turned us down! He helped us look into all our options and answered all our questions and ultimately found the best possible opportunities for us! He is family oriented and very kind! He is hard working and is there to answer all the questions and help in any way he can. He is is seriously just the best! If I could give him more than 5 stars I would! Paul is fantastic!!
Janelle PouesiSeptember 1, 2023.Paul was amazing with out buying process. He broke step down for us and the explanation was thorough. I believe if it wasn't for him and his team, My husband and I would have never purchased our first home. I want to thank our heavenly Father for showing us to Paul Cubbison and Mike&Celeste Blackburn. I highly recommend Paul to everyone and anyone that needs to understand and purchase a new home. Thank You
Sam lamaSeptember 1, 2023.Paul Cubbison was and is awesome. The whole process going through each paperwork was understandable and explained to the simplest form. I would highly recommend him and his company to everyone. I will continue to work with Paul through future projects that comes my way.
Mike RobinsonJuly 21, 2023.Paul was amazing to work with. He put in many hours outside of work and helped get everything put together and simplified for us. He really went out of his way to make sure our house qualified and was approved for a better loan option. My wife and I would highly recommend our friends and family to work with Paul if given the opportunity.
Nichole NodlandJuly 20, 2023.Paul is always so friendly and efficient. He always goes above & beyond for his clients! I will always recommend Paul!
Sam AndertonMarch 19, 2023.Paul was so helpful throughout my wife and my first home-buying experience. His advice and knowhow got us a fantastic rate, significantly lower on par than everywhere else I checked. He is also the nicest person to work with, and was super patient in teaching me the ropes since I started the process a student with no credit score. I have nothing but good things to say about Paul and PACFI. Thanks Paul!
Analisa SixJanuary 9, 2023.Paul helped us refinance our home in 2022 and was amazing! He was always available to answer our questions and made the process super easy and simple! We were also gifted an amazing personalized cutting board afterwards. Highly recommend working with Paul Cubbison.
Ahmed El shafieJune 19, 2022.Paul is great. He monitors everything closely and make sure you get the best of everything. One time, he managed to stay with me in the line to talk to home insurance and he made sire that I got the best price. He works all time and read SMSs and emails and responds very quickly. I would recommend him to anyone with no doubts.
Your mortgage approval starts here.
A new home purchase or refinance mortgage is just a few clicks away. Get started now – no commitment required.
The Best Decision For You
We understand our clients want to save time and money. Here’s how we can help.
Competitive Brokerage
Low Rates & Closing Costs
No Upfront Fees
Close on Time
Your Journey to a Hassle-Free Home Loan Begins Here
At PACFI Home Loans, we know that you’re someone who values a hassle-free loan experience. For that to happen, you need a mortgage loan expert you can trust. The problem is that there are many options, which makes you feel overwhelmed and unsure who is the right fit for you. Choosing a lender shouldn’t be stressful. We understand you’ve likely had poor experiences in the past. That’s why we’ve prioritized clear communication and streamlined our loan process.
Here’s how it works: you complete our loan application and submit supporting documents. Once approved, we ensure a quick and smooth closing process. Call us today and put an end to the worry about choosing your home loan expert. Start feeling confident knowing you have the best mortgage broker diligently working for you at PACFI Home Loans.