Buying a Home in Orange County, California

As a long-time fixture in the Orange County mortgage industry, Pacific Home Loans brings together the best of both worlds: we are a direct lender on real estate properties throughout the state of California, as well as a mortgage broker, with relationships with more than twenty other lenders.

buying a home in california

As a result, our clients have access to a wide selection of lenders, loan programs and special incentives. All of this translates into a greater possibility of making your dream of home ownership in California a reality.

Advantages of being an Orange County Direct Lender:

As a local Orange County, California direct lender – Pacific Home Loans is able to offer significant cost savings and faster loan processing times.

Also, unlike originators at the big banks, we work for you, not the bank. So, we have a greater incentive to perform for you, getting you the best home loan and the fastest closing possible.

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Exciting new loan programs!
First-time buyers
Low Down Payment Plans
Reverse Mortgage for Purchase

Advantages of being an Orange County Mortgage Broker

Every homebuyer’s circumstance is unique.

Whether you’re a first-time home buyer or a veteran investor, you need a starter home or a jumbo loan, whether you’re a veteran looking for nothing down or you have a substantial down payment on hand, good credit or challenged, chances are there’s a mortgage out there for you.

As a broker to some 20 different lenders, our clients can access an array of underwriting criteria, pricing, and homebuyers’ loan programs. If you aren’t a perfect match for one of our in-house loans (every lender has different underwriting criteria), chances are a program from one of our lenders will fit you like a glove.

Serving Orange County, California and Beyond since 2002.

As a veteran of multiple real estate market cycles, Pacific Home Loans provides our clients with an unsurpassed level of expertise and service. While we have particular expertise in our own Orange County neighborhoods of Laguna Beach, Laguna Niguel, Dana Point, Newport Beach, Irvine, Costa Mesa, Huntington Beach, Tustin, San Clemente and Dana Point, we have plenty of experience in markets all over California, including San Diego, Los Angeles, Ventura County, all the way up to San Francisco, and inland to San Bernardino and the Central Valley.

Our specialties:

• Dedicated customer service
• Competitive rates
• Pre-qualification and pre-approval

For more information, visit our Home Loan Programs page now. Or call us today at (949) 494-4861 or toll free (866)389-2778.

Areas served:

• California
• Orange County
• Newport Beach
• Costa Mesa
• Laguna Beach
• Laguna Niguel
• Dana Point
• Irvine
• Anaheim
• San Clemente
• Tustin
• Oceanside
• San Diego
• City of Orange
• Santa Ana
• San Juan Capistrano
• Garden Grove
• Long Beach
• Fountain Valley
• Palos Verdes
• Laguna Hills
• Mission Viejo
• Ladera Ranch
• Cerritos
• Westminster
• Hawaiian Gardens
• Los Angeles County
• the Bay Area
• San Diego County

Visit our Home Loan Programs page for more information!