Prime Pacific Financial is a successful mortgage brokerage firm since incorporating in March of 1989. Our offices located in Newport Beach support our staff and are designed to fulfill the needs of our customers with convenience, ambiance and professionalism. Prime Pacific Financial was created around a processing, packaging and customer relationship concept.
We knew that a successful mortgage company must have a brilliant & skillful processing team that represents YOU to our lenders. This team had to be able to communicate effectively, process, plan and listen to our borrowers while paying attention to details. The time frame is always critical so on-time performance is a necessity.
We knew that a successful mortgage company must have a brilliant & skillful processing team that represents YOU to our lenders. This team had to be able to communicate effectively, process, plan and listen to our borrowers while paying attention to details. The time frame is always critical so on-time performance is a necessity.
Services
Purchase
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Need financing options on a home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole. We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE pre-approval letter request.
30 Year Fixed Mortgage
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The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good choice if you plan to stay in your home for seven years or longer. If you plan to move within seven years, then stable-rate loans are usually cheaper.
Were here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE 30-Year Fixed Rate Mortgage Qualifier.Well help you clearly see differences between loan programs, allowing you to choose the right one for you whether youre a first-time home buyer or a seasoned investor.
Were here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE 30-Year Fixed Rate Mortgage Qualifier.Well help you clearly see differences between loan programs, allowing you to choose the right one for you whether youre a first-time home buyer or a seasoned investor.
15 Year Fixed Mortgage
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This loan is fully amortized over a 15-year period and features constant monthly payments. It offers all the advantages of the 30-year loan, plus a lower interest rate and you'll own your home twice as fast. The disadvantage is that, with a 15-year loan, you commit to a higher monthly payment. Many borrowers opt for a 30-year fixed-rate loan and voluntarily make larger payments that will pay off their loan in 15 years.
Adjustable Rate Mortgage
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An ARM is an Adjustable Rate Mortgage. Unlike fixed rate mortgages that have an interest rate that remains the same for the life of the loan, the interest rate on an ARM will change periodically.
The intial interest rate of an ARM is lower then that of a fixed rate mortgage, consequently, an ARM maybe a good option to consider if you plan to own your home for only a few years; you expect an increase in future earnings; or, the prevailing interest rate for a fixed mortgage is to high.
The intial interest rate of an ARM is lower then that of a fixed rate mortgage, consequently, an ARM maybe a good option to consider if you plan to own your home for only a few years; you expect an increase in future earnings; or, the prevailing interest rate for a fixed mortgage is to high.
A VA loan is a mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs (VA). The loan may be issued by qualified lenders. The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses (provided they do not remarry).
We're here to make the VA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE VA Loan Qualifier.We'll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you're a first-time home buyer or a seasoned investor.
We're here to make the VA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE VA Loan Qualifier.We'll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you're a first-time home buyer or a seasoned investor.
Reviews (1)
Laura Ellsworth
May 02, 2021
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I highly recommend Prime Pacific Financial. I did my re-fi with Gretchen and she was the ultimate professional with attention to detail. I know her expertise pushed my loan through quickly. With her help I was able to take advantage of the lower interest rate and will pay off my property in far less time. Gretchen had my best interest in mind while researching the best lower interest for me.
