Pacific Financial Services has been serving California’s lending needs since 2004.
Choosing the Best Loan for You
There are many types of mortgage programs available. The right type of loan for you depends upon several factors:
Your current financial picture
How you expect your finances to change
How long you intend to keep your house
How comfortable you are with the possibility that your mortgage payment may change in the future.
When considering loan programs, the first decision is usually if you prefer a fixed rate mortgage or an adjustable rate mortgage. For example, a 15-year fixed rate mortgage can save you thousands of dollars in interest payments over the life of the loan, but your monthly payments will be higher. An adjustable rate mortgage may get you started with a lower monthly payment than a fixed rate mortgage, but your payments could increase when the interest rate changes.
Many sellers only consider offers submitted with a pre-qualification letter from a lender. Get started by completing the following fields to help us understand your loan needs: