Business Details
20 Years
experience
Trusted Mortgage Broker in California | Pacific Real Estate
Since 2006, Pacific Real Estate has been dedicated to providing personalized mortgage solutions tailored to individual client needs. Our mission centers on transparency, honesty, and exceptional customer service, ensuring clients achieve their homeownership goals. With expertise in FHA, VA, and conventional loans, we leverage over 15 years of industry experience to deliver competitive rates and customized financial guidance. Our team prioritizes client satisfaction through clear communication, responsive support, and a commitment to ethical practices.Recognized for our local market knowledge in Southern California and nationwide licensing, we serve diverse real estate markets with the same dedication to excellence. Our proven track record of helping thousands realize the American dream underscores our position as a trusted partner in mortgage services.
Services
Home Loans
VA Loans
FHA Loans
Conventional Loans
Refinancing
Construction Loans
DSCR Loans
Reverse Mortgages
Down Payment Assistance
Details
- Year established: 2006
Highlights and features
- We offer over 15 years of mortgage industry expertise.
- Our team provides personalized loan solutions tailored to unique financial situations.
- We secure competitive wholesale rates from nationwide lenders.
- Our process includes automated updates and responsive personal support.
- We specialize in navigating complex loan requirements for unique properties.
What people say
Exceptional communication
Competitive interest rates
Smooth loan process
Expert guidance
Dedicated support
Services
Home Loans
We offer comprehensive home loan solutions including fixed and adjustable-rate mortgages. Our services cater to first-time buyers, investors, and those seeking luxury properties. Clients benefit from competitive interest rates, flexible down payment options, and personalized underwriting guidance.
VA Loans
Specialized mortgage programs for veterans and active-duty personnel. We provide zero-down payment options, no private mortgage insurance requirements, and streamlined refinancing through the VA loan program. Our team handles VA-specific documentation and eligibility verification.
FHA Loans
FHA-insured loans with low down payment requirements and flexible credit standards. We assist first-time buyers with down payment assistance programs and help clients understand FHA property condition requirements.
Refinancing
Mortgage refinancing options to reduce monthly payments or access home equity. We offer conventional refinancing, VA IRRRL, FHA streamline programs, and cash-out refinancing with competitive rate locks.
Construction Loans
Financing solutions for custom home construction projects. Our process includes phased funding disbursements, contractor coordination, and transition to permanent financing upon project completion.
People
Raeda Jaber
Founder
With over 15 years in mortgage banking, Raeda established Pacific Real Estate to provide personalized loan solutions. She specializes in complex loan scenarios and maintains a 98% client satisfaction rate through hands-on service.
Khaled
Loan Officer
Specializing in difficult-to-place loans, Khaled has helped over 1,000 clients secure financing since 2010. His expertise includes jumbo loans and investment property financing with a 99% closing success rate.
Ramzi Al-Shurman
Senior Loan Officer
Ramzi focuses on first-time homebuyer programs and has been recognized as a top mortgage originator in California and Florida. He maintains 24/7 availability for client consultations.
Questions
What mortgage options are available for first-time homebuyers?
We offer FHA loans with 3.5% down, VA loans with zero down for veterans, and conventional loans with 3% down through special programs. Our team helps identify the best option based on your financial situation.
Can I refinance with bad credit?
Yes, we offer streamline refinance options for VA and FHA loans that require minimal credit checks. Our team will evaluate your specific circumstances to find the best refinancing solution.
How do you secure lower interest rates?
As a wholesale lender, we access exclusive rates from multiple national lenders. Our volume-based partnerships allow us to negotiate better terms than traditional retail banks.
What areas do you serve?
We operate in California, Florida, Oregon, Colorado, and Washington with local market expertise. Our licensing allows us to serve clients nationwide through digital mortgage processing.
What documents are needed for pre-approval?
Basic income verification (pay stubs or tax returns), credit report authorization, and asset documentation. Our online portal streamlines the submission and verification process.
How long does the mortgage process take?
Typical loan processing takes 30-45 days. We offer expedited options for qualified borrowers and maintain real-time status updates throughout the underwriting process.
