Residential Home LoansExclusively in California
Since 2005, Pacific Rate has been helping California families achieve homeownership. We shop 10+ wholesale lenders to find you the best residential mortgage rates. Whether you're buying your first home, refinancing, or upgrading, we make it simple.
California Properties Only
Our residential loan services are exclusively available for properties located in the state of California. For commercial properties nationwide or business loans, please see our Commercial or Business Loans sections.
California Residential Loan Programs
We offer a comprehensive range of residential mortgage products tailored for California homebuyers and homeowners.
Special programs with low down payments designed for California first-time buyers.
Lower your rate, reduce payments, or tap into equity with California refinancing options.
Financing for high-value California properties with competitive jumbo loan rates.
The Pacific Rate Advantage
Why California homebuyers choose us
We Shop 10+ Lenders
Access to wholesale rates from multiple lenders means you get the best deal available in California.
20 Years of Experience
Since 2005, we've helped thousands of California families secure their dream homes.
Expert California Market Knowledge
Deep understanding of California's unique real estate market and lending requirements.
Fast & Efficient Process
Streamlined application and approval process to get you into your California home quickly.
Personalized Service
Dedicated loan advisors who guide you through every step of your California home financing.
Licensed & Trusted
Licensed in California (License #01730065, NMLS #329956) with a proven track record.
