Whether you are a first-time homebuyer or a seasoned investor, we have the best mortgage for you. We have built our brokerage around the leading wholesale lenders in the nation making PACFI Home Loans stand out from the rest of the mortgage companies. We look forward to showing you what we can do.
About Us
why brokers are better
broker -vs- bank
Mortgage Broker
- Licensed mortgage expert specializing in mortgages ONLY
- Partner with several lenders to offer multiple loan products
- Shops your loan to help you get the best option available
- Often saves you money by offering lower, wholesale rates and cheaper costs due to less overhead and controlled costs
- Completes continuing education courses to maintain a high level of mortgage knowledge
Banker
- Represent the bank, NOT the consumer
- Salespeople not required to be individually licensed
- Only able to offer limited loan products they have in-house and may not be the best fit for what you specifically need
- Often higher rates and fees due to operational costs and lack of comparison
- Not held to same standards and regulations as brokers in terms of testing and ongoing training
Your mortgage approval starts here.
A new home or mortgage savings could be just a few screens away. Get started now – no commitment involved.
Whether you are a first-time homebuyer or a seasoned investor, we have the best mortgage for you. We have built our brokerage around the leading wholesale lenders in the nation making PACFI Home Loans stand out from the rest of the mortgage companies. We look forward to showing you what we can do.
Meet the TEAM
As your trusted mortgage broker, I will walk you through every step of the loan process and support you from pre-approval through closing. Whether you are a first-time home buyer or seasoned investor, you can trust me and my team with all of your home financing needs. I appreciate your business and look forward to working with you!
Paul CubbisonCEO - Broker 
As part of our client-focused team, my role is to help facilitate your transaction and make sure it goes as smooth as possible. I will work with you, the lender, and our in-house team to ensure we meet all the transaction requirements well before closing. With many years in the mortgage industry, you can put your confidence in the PACFI Home Loans team to help you with all of your home financing needs.
Richard SandovalLoan Officer 