Make the right 'Choice'-no other company comes close.
At Pacific One Mortgage, we're dedicated to making the mortgage process as smooth and stress-free as possible. Our team of experts is committed to providing exceptional service, personalized attention, and a deep understanding of the mortgage industry. We take pride in being a local company that you can depend on, even after the papers are signed.
Our Philosophy
At Pacific One Mortgage, we believe in a simple yet powerful philosophy: "Character, Respect, Knowledge, and Passion to Serve." We strive to embody these values in everything we do, from the initial consultation to the final closing of your loan.
Services We Offer
We offer a wide range of mortgage loan programs to fit your unique needs and goals. Whether you're buying your first home, refinancing to lower your payment, or renovating your current property, we have a loan program that can help you achieve your dreams. Our loan options include:
- Conventional Loans: As low as 3% down payment with competitive interest rates and flexible terms
- FHA Loans: 3.50% down payment with credit scores as low as 580
- VA Loans: 100% financing with no mortgage insurance (MI) and credit scores as low as 580
- USDA Loans: Up to 102% financing with no MI and credit scores as low as 580
- Jumbo Loans: As low as 10% down payment with no MI and credit scores as low as 620
- Renovation Loans: Up to 96.5% loan-to-value (LTV) with one loan and one interest rate
Why Choose Pacific One Mortgage?
We pride ourselves on our exceptional service, commitment to communication, and passion for helping our clients achieve their homeownership goals. Here's what sets us apart:
- No Application Fee
- No Broker Fee
- No Processing Fee
- Effective Communication: We take the time to explain every step of the mortgage process in a way that's easy to understand
- Amazing Service: We'll guide you every step of the way, from initial consultation to final closing
What Our Valued Clients Say
Don't just take our word for it! Our satisfied clients rave about their experiences with us:
- "Chris and his team did an amazing job on having my mortgage refinance approved seamlessly with the best rate possible. I am so grateful and appreciative of the efforts they provided." - Michael E.
- "Chris and Gina answered all our questions and were always available! Chris is extremely professional and definitely delivers! He promised to get us the best deal and the best rate for our loan and that's exactly what he did! Highly recommend Chris and his team at Pacific One Mortgage!" - Michaela G.
Getting Started
Ready to take the first step towards homeownership? Our simple, 5-step process makes it easy to get started:
1. Get Pre-Qualified: Organize and prepare your financial documents and we'll discuss payment examples based on a set of scenarios.
2. Shop for Your Dream Home: Enjoy the thrill of finding your perfect home while keeping in mind location, location, location!
3. Complete the Mortgage Application: We'll guide you through the application process, and you'll sign the final documents.
4. Submit for Underwriting Approval: Our underwriters will review your application and provide a list of outstanding items to be satisfied.
5. Close Your Loan: Receive your approved Closing Disclosure and get ready to finalize your loan.
Contact Us
Want to learn more about our mortgage loan options or have questions about the process? Feel free to contact us anytime at 708-217-6969 or czabat@pacific1mortgage.com. We'd be happy to assist you!
Outstanding Mortgage Experience
Professionalism and Responsiveness
The reviewers praised Chris and Gina for their exceptional professionalism, responsiveness, and honesty throughout the mortgage process. They were always available to answer questions, provide updates, and offer guidance, making the experience smooth and stress-free.
Personalized Service
The team at Pacific One Mortgage was commended for their personalized approach, taking the time to explain complex processes in a clear and concise manner. They showed genuine care and concern for their clients, providing emotional support during challenging times.
Efficiency and Timeliness
The reviewers were impressed with the speed and efficiency of the mortgage process, with many closing their loans in record time. The online system for document submissions and processing tasks was also praised for its ease of use.
Highly Recommended
Every reviewer highly recommended Pacific One Mortgage, citing their exceptional service, professionalism, and expertise. They expressed gratitude for the team's hard work and dedication, which helped them achieve their dream of homeownership.
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