Bright living room with a yellow sofa, representing a new home

Home Loans Made Simple

Your fast and easy path to home ownership.

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?
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Why choose PACFI Home Loans?

  • Icon representing communication

    Communication

    We prioritize clear, consistent communication every step of the way. You'll never be in the dark about your loan status.

  • Icon representing efficiency

    Efficiency

    Your time is valuable. Our process is designed for maximum efficiency, meaning quicker approvals and faster closings.

  • Icon representing problem solving

    Problem Solving

    We excel at finding creative and effective solutions to ensure a smooth journey from application to closing.

  • Icon representing technology

    Technology

    Using the latest technology allows us to streamline the loan process. Making it faster, easier, and more convenient for you.

  • Icon representing knowledge

    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.

  • Icon representing friendly service

    Friendly Service

    At PACFI Home Loans, we strive to create a welcoming and positive atmosphere for all our clients.

Our Loan Process Is Simple

  • Document icon for applying online

    1. Apply

    Complete an online application and submit documents.

  • Checkmark icon for loan approval

    2. Get approved

    We will submit your loan with the best lender for your situation, and receive your loan approval.

  • Home icon for closing the loan

    3. Close

    Sign loan documents, close quickly, and enjoy your home!

Get Started

We know how frustrating it is to work with an inexperienced loan officer. Read what our clients have to say about working with us.

Your mortgage approval starts here.

A new home purchase or refinance mortgage is just a few clicks away. Get started now - no commitment required.

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The Best Decision For You

We understand our clients want to save time and money. Here's how we can help.

  • Competitive Brokerage

    We are highly competitive. Which means lower rates and faster close times.

  • Low Rates & Closing Costs

    Having the top wholesale lenders in the nation gives us the edge on lower rates and closing costs.

  • No Upfront Fees

    We never charge any upfront credit report or appraisal fees.

  • Close on Time

    We're experts in quick turnarounds, with many of our mortgages closing in 20, 15, or even 10 days!

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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.

Mortgage Calculator

Your Numbers

Purchase Price
$
$100K$2M
Down Payment
$
$0$450,000
Down Payment %
%
Under 20% down usually adds PMI on a conventional loan.
Interest RateBenchmark, not a quote
%
0%12%
Loan Term
Property Tax /yr
$
$0$30K
Home Insurance /yr
$
$0$10K
PMI /mooptional
$
$0$500
HOA /mooptional
$
$0$1K

Important: This calculator is for educational and planning purposes only. It is not an offer to lend, a commitment to lend, a Loan Estimate, or a guarantee of any rate, payment or loan terms. Taxes, insurance, PMI, HOA dues and other costs vary. Actual qualification and payment depend on credit, income, assets, property, loan program and final terms. Rates and programs are subject to change without notice. Not all borrowers will qualify.

NMLS #1462943 | #905194