Business Details
24 Years
experience
Your Trusted Mortgage Partner in Southern California
Charter Pacific Lending has been a trusted mortgage partner in Southern California since 2002. Our founder, Babak Moghaddam, brings over three decades of industry expertise dating back to 1989, combining personalized service with strategic financial planning. We approach mortgages as powerful financial tools, integrating them into clients' broader financial strategies to accelerate wealth growth. Our proprietary Strategic Financial Management Program guides clients through tailored mortgage solutions, leveraging a diverse network of wholesale lenders and loan programs. With a focus on education and transparency, we empower clients to make informed decisions that align with their short- and long-term financial goals.Our team's commitment to excellence is evidenced by decades of repeat clients and referrals, consistently delivering efficient transactions and innovative solutions. From first-time homebuyers to investment property acquisitions, we prioritize client needs while maintaining rigorous security standards for all financial data. Our proven track record includes expedited closings, complex refinancing scenarios, and customized reverse mortgage solutions tailored to individual circumstances.
Services
Home Purchase Loans
Refinance Solutions
Reverse Mortgages
Investment Property Financing
First-Time Homebuyer Programs
Details
- Year established: 2002
Highlights and features
- We offer 35+ years of mortgage industry experience since 1989
- Our Strategic Financial Management Program integrates mortgages with overall financial planning
- We provide personalized service with a proven track record of expedited closings
- Our team maintains NMLS #320841 certification and industry-specific expertise
- We guarantee transparent communication and security-certified data protection
What people say
Outstanding experience
Exceptional service
Knowledgeable team
Smooth process
Highly recommend
Services
Home Purchase Loans
We specialize in tailored home purchase financing solutions for first-time buyers, move-up buyers, and investment property investors. Our process includes strategic pre-approvals, competitive rate shopping, and expedited closing timelines. With access to multiple wholesale lenders, we secure optimal loan terms aligned with clients' financial objectives while maintaining strict compliance with industry regulations.
Refinance Solutions
Our comprehensive refinance services help clients reduce monthly payments, access home equity, or convert adjustable-rate loans to fixed-rate security. We analyze individual financial situations to determine break-even points and long-term savings potential. Services include rate-and-term refinancing, cash-out options, and debt consolidation strategies tailored to each client's unique circumstances.
Reverse Mortgages
We provide HUD-approved reverse mortgage solutions for homeowners aged 62+. Our specialists guide clients through HECM program requirements, explaining payment options and long-term implications. We offer personalized estimates based on property value, age, and current mortgage balances while ensuring full compliance with consumer protection regulations and counseling requirements.
People
Babak Moghaddam
Senior Loan Officer
With 35+ years in mortgage banking since 1989, Babak Moghaddam combines deep industry knowledge with personalized service. As founder of Charter Pacific Lending, he specializes in strategic mortgage planning and has helped thousands achieve homeownership through innovative financing solutions.
Questions
What mortgage services do you offer?
We provide home purchase loans, refinance solutions, reverse mortgages, investment property financing, and first-time homebuyer programs with competitive rates and personalized guidance.
How can I get pre-approved?
Start online through our secure portal or contact us directly. Our team will guide you through document submission and provide a formal pre-approval certificate within 24-48 hours.
Do you offer jumbo loans?
Yes, we offer conforming, non-conforming, and jumbo loan programs through our network of wholesale lenders for unique financing needs.
What areas do you serve?
We primarily serve Southern California including Los Angeles, Orange, and San Diego counties with licensed services across the state.
How does refinancing work?
Our process analyzes your current mortgage to determine savings potential through rate reduction, term adjustment, or equity access while explaining break-even points and long-term impacts.
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