Home Loans Made Simple

Your fast and easy path to home ownership.

Have you been frustrated by loan officers who:

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.

    
 
 
         
   Traci Mugavero 
 August 14, 2026.
 
 
 Trustindex verifies that the original source of the review is Google. Paul has been a pleasure to work with from  the beginning. He helped me with the computer and paperwork with so much patience. Times I would feel overwhelmed and his personality would help me relax. I could reach out for questions anytime and he would get back as soon as possible
  
 
        
   Greg Mugavero 
 August 14, 2026.
 
 
 Trustindex verifies that the original source of the review is Google. Paul was excellent to work with and we will recommend him  to all of our friends and family.
  
 
        
   Lon Lundberg 
 August 9, 2026.
 
 
 Trustindex verifies that the original source of the review is Google. Paul is a phenomenal lender! Knowledgeable, competent, helpful and friendly. Plus he's ON IT!! And gets it done!
  
 
        
   Bradley Schuster 
 August 7, 2026.
 
 
 Trustindex verifies that the original source of the review is Google. Working with Paul at PACFI was amazing. He made the entire process feel effortless and was extremely responsive. Having never purchased a home, I did not know what to expect however he did all of the heavy lifting so that all we had to do was show up and sign! Thank you so much Paul!
  
 
        
   Janelle Pouesi 
 May 26, 2026.
 
 
 Trustindex verifies that the original source of the review is Google. Paul was amazing throughout our home-buying process. He broke every step down for us, and his explanations were thorough. I believe that if it weren'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 leading us to Paul Cubbison and Mike Celeste Blackburn. I highly recommend Paul to anyone and everyone who needs guidance when purchasing a new home. Thank You
  
 
        
   Jake 
 May 19, 2026.
 
 
 Trustindex verifies that the original source of the review is Google. Paul helped us from day one of our home purchasing journey. He was always straight forward and honest with numbers and how the process worked. He was responsive to our endless questions and concerns, and made the whole home loan process as seamless as possible. We appreciate the time and effort he spent with us.
  
 
        
   Eric Sabumwami 
 April 30, 2026.
 
 
 Trustindex verifies that the original source of the review is Google. We would like to thank PACFI Home Loans for helping us through the process of buying our house. Paul was very helpful and guided us every step of the way. We truly appreciate the support and would encourage anyone looking to buy a home to work with them. Thank you
  
 
        
   Vainqueur Bisetsa 
 April 10, 2026.
 
 
 Trustindex verifies that the original source of the review is Google. I highly recommend working with PACFI Home Loans! They helped us through the entire process from the beginning, and everything went smoothly. We are very happy with our new home. Thank you so much for everything! I will definitely recommend PACFI Home Loans to everyone.

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

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!

Featured Resources

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

Purchase Price $

Mortgage Term

Down Payment ($)

20%

Annual Taxes ($)

0.65%

Interest Rate (%)

5.875%

Annual Insurance $

Monthly HOA $

Want a Copy of the Results?

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Mortgage payments may vary. This is not a commitment to lend. Please get a formal loan estimate to compare figures. NMLS #1462943