Z & L Enterprise

A Commitment to Transparency and Client Success

California Pacific Funding & Realty stands out as a trusted mortgage lender committed to providing transparent, personalized service and exceptional client experiences. We streamline the process with innovative technology while maintaining open communication and guidance every step of the way.

OUR MISSION

Our mission is to empower our clients to achieve their homeownership dreams through:

• Competitive Rates & Fees: We offer competitive mortgage options with low interest rates and transparent fees, ensuring affordability and predictability.
• Fast Closings: We prioritize efficiency, aiming to close deals in record time to expedite your journey to homeownership.
• Personalized Guidance: We provide dedicated loan officers who work closely with each client to understand their unique financial situations and goals, tailoring solutions accordingly.
• Seamless Technology: Our online application and paperless processes maximize convenience and streamline the entire mortgage journey.

Our Services

We offer a comprehensive range of mortgage products to meet diverse needs:

Home Purchase Financing

• Conventional Loans
• Government-backed Loans (FHA, VA, USDA)
• Second Trust Deeds & Private Money Loans

Mortgage Refinancing

• Cash-out refinancing to access home equity
• Rate & Term refinancing to lower your monthly payments

Specialized Programs

• First Time Homebuyer Programs
• Down Payment Assistance
• Streamlined Loan Processing

Dedicated Expertise

Our team of seasoned professionals possesses extensive knowledge and experience in the mortgage industry. We are committed to providing:

• Responsive and personalized communication
• Transparent and clear explanations of the mortgage process
• Guidance through every step of the journey - from pre-qualification to closing and beyond

Experience the California Pacific Difference

Whether you are a first-time homebuyer, seasoned homeowner, or looking to refinance, California Pacific Funding & Realty is your trusted partner. Our combination of competitive rates, personalized service, and industry expertise ensures a smooth and successful mortgage experience.