About Pacific Rate
For over 20 years, Pacific Rate has been the trusted mortgage partner for California homebuyers and nationwide commercial investors. We shop 10+ wholesale lenders to find you the best rates because when you save money, we succeed.
Our Story
Pacific Rate was founded in 2005 with a simple mission: help people save money on their mortgages by shopping multiple lenders on their behalf. We recognized that borrowers needed an advocate—someone who would work tirelessly to find the best rates and terms from wholesale lenders, rather than being limited to a single bank's offerings.
Over the past two decades, we've built a reputation for integrity, expertise, and genuine care for our clients. Whether you're a first-time homebuyer in California or a seasoned commercial investor looking to finance a property anywhere in the United States, we bring the same level of dedication to every transaction.
Today, Pacific Rate continues to thrive because we never forgot our roots: we love what we do, and we do it with excellence.
Our Core Values
The pillars that define Pacific Rate
We Shop, You $ave
We compare rates from 10+ wholesale lenders to find you the absolute best deal. Our success is measured by your savings.
20 Years of Excellence
Since 2005, we've been serving clients with integrity and expertise. Two decades of experience means we know how to get deals done.
We Love What We Do
Passion for helping people achieve their dreams drives everything we do. We treat every client like family.
Who We Serve
Tailored solutions for every borrower
California Residential Borrowers
We specialize in residential loans exclusively for properties located in California. Whether you're:
- •A first-time homebuyer looking for low down payment options
- •A homeowner looking to refinance and lower your monthly payment
- •Purchasing a high-value property with a jumbo loan
We shop 10+ lenders to find you the best residential mortgage rates in California.
Nationwide Commercial Investors
For commercial real estate and business loans, we serve clients across all 50 states. Whether you're:
- •An investor acquiring multi-family apartments anywhere in America
- •A business owner purchasing commercial property nationwide
- •Looking for SBA financing to grow your business
Our nationwide network of commercial lenders ensures competitive rates no matter where your property is located.
Licensed & Trusted
Real Estate Brokerage License
#01730065
NMLS
#329956
Service Areas
CA Residential | Nationwide Commercial
