Pacific First Financial has built a strong reputation as an outstanding mortgage brokerage firm, serving the lending needs of real estate professionals, and individual homebuyers throughout California and the South Bay for over 25 years!

 As a full-service mortgage broker, our goals are to: 

• Provide mortgage loan program options based on our clients’ individual needs 
• Offer competitive rates and fees 
• Maintain the highest level of service, communication, and accountability.

Pacific First Financial is a referral based business, which means making our clients happy is a priority. Our repeat business is solid evidence of doing things right. Many of our clients have been clients for a long time, through multiple transactions. When all is said and done, you’ll look back on your experience knowing that you were given the whole picture, with no details left out. You’ll see that you were able to make the kind of informed decisions you like to make, based on facts. 

Why use a Broker?

A mortgage broker is an independent real estate financing professional who specializes in the origination of residential mortgage loans. Mortgage brokers normally pass the actual funding and servicing of loans on to wholesale lending sources. A mortgage broker is also an independent contractor working with (on average) as many as 40 lenders at any one time. By combining professional expertise with direct access to hundreds of loan products, your broker provides the most efficient way to obtain financing tailored to your specific financial goals.

Independent mortgage brokers have had a significant positive impact on the lending industry. Today, the use of a professional mortgage broker is one of the key strategies used by sophisticated borrowers.

There are literally thousands of variables that can affect the outcome of your mortgage transaction. That's why you need a mortgage broker to act as a liaison between the title and escrow company, real estate agent, lender, appraiser, credit agency, the underwriters, the processors, attorneys, and any other services which may affect your transaction.

Because mortgage loans are uniquely individual, we offer a wide range of individual loan programs tailored to your specific needs, including:

• Purchases and Refinances
• Fixed– and Adjustable-Rate Mortgages (ARMs)
• FHA and VA Loans
• Jumbo Loans
• Super Jumbo Loans
• Reverse Mortgages
• Competitive Rates and Fees

Call today for a free, no-obligation consultation with one of our mortgage loan experts.