Pacific First Financial Loans

read morePacific First Financial has built a strong reputation as an outstanding mortgage brokerage firm, serving the lending needs of real estate professionals, and individual homebuyers throughout California and the South Bay for over 25 years! Pacific First Financial is a referral based business, which means making our clients happy is a priority. Our repeat business is solid evidence of doing things right. Many of our clients have been clients for a long time, through multiple transactions. When all is said and done, you'll look back on your experience knowing that you were given the whole picture, with no details left out.

read moreThe software allows Pac1st.com to improve its compliance with the Web Content Accessibility Guidelines (WCAG 2.1). After triggering the accessibility menu, please wait a moment for the accessibility menu to load in its entirety. This may be a result of not having found or identified the most appropriate technological solution. If you are experiencing difficulty with any content on Pac1st.com or require assistance with any part of our site, please contact us during normal business hours as detailed below and we will be happy to assist.

read moreInformation and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. We've been helping customers afford the home of their dreams for many years and we love what we do.

read moreThe first step in obtaining a loan is to determine how much money you can borrow. In case of buying a home, you should determine how much home you can afford even before you begin looking. By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines. You may also elect to get pre-approved for a loan which requires verification of your income, credit, assets and liabilities. LTV or Loan-To-Value ratio is the maximum amount of exposure that a lender is willing to accept in financing your purchase.

read moreWe've been helping customers afford the home of their dreams for many years and we love what we do. Pacific First Financial Real Estate Loans, Inc. is not acting on behalf of or at the direction of HUD/FHA or the Federal Government. This material is not from HUD or FHA and has not been approved by HUD or any government agency. Our Website strives to ensure that its services are accessible to people with disabilities. Our Website has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities, with the strong belief that every person has the right to live with dignity, equality, comfort and independence.

read moreWhat kind of loan program is best for you? Should you get a fixed-rate or adjustable rate mortgage? A conventional loan or a government loan? Deciding which mortgage product is best for you will depend largely on your unique circumstances, and there is no one correct answer. The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan's lifetime. FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.