Business Details
24 Years
experience
Your Trusted Mortgage Partner in San Luis Obispo
Founded in 2002, Pacific Trust Mortgage has established itself as a trusted leader in mortgage services. We combine cutting-edge technology with personalized service to streamline the mortgage process from pre-approval to funding. Our correspondent lending model provides access to a diverse array of loan products, ensuring competitive rates tailored to individual client needs. With a commitment to transparency, integrity, and timely closings, we prioritize client satisfaction in every transaction. Our team of seasoned professionals manages the entire mortgage lifecycle, offering expertise in fixed-rate, FHA, VA, jumbo, and investment property loans. Backed by decades of collective experience, we serve first-time buyers, experienced homeowners, and real estate professionals across San Luis Obispo and beyond.Our core valuesreputation, service, integrity, and follow-throughguide every interaction, ensuring clients receive exceptional support. Positive client testimonials highlight our responsiveness, market knowledge, and ability to navigate complex transactions efficiently. We pride ourselves on delivering seamless experiences, closing most loans within 30 days while maintaining clear communication throughout. As a direct lender, we empower clients to achieve homeownership goals with confidence and clarity.
Services
Home Purchase Loans
Refinance Options
FHA Loans
VA Loans
Jumbo Loans
Investment Property Loans
Cash-Out Refinance
USDA Loans
Manufactured Home Financing
Portfolio Loans
Details
- Year established: 2002
Highlights and features
- We offer a wide range of loan products from multiple investors for competitive rates.
- Our team manages the entire mortgage process from start to finish.
- We uphold core values of integrity, service, and timely follow-through.
- Most loans close within 30 days due to our efficient processes.
- Our professionals provide personalized guidance for first-time buyers and investors.
What people say
Amazing to work with
Smooth process
Excellent communicator
Great rates
Highly recommend
Services
Home Purchase Loans
Our home purchase loans provide tailored financing solutions for first-time buyers and experienced homeowners. We offer fixed-rate, FHA, and VA options with competitive rates. Our streamlined process ensures timely closings, helping clients secure their dream homes efficiently.
Refinance Options
Refinance your mortgage to lower monthly payments or access home equity. We offer cash-out refinancing and rate adjustments with flexible terms. Our experts analyze your financial situation to recommend optimal refinancing strategies.
FHA Loans
FHA-insured loans require low down payments and accommodate diverse credit profiles. Ideal for first-time buyers, these loans offer 3.5% down payment options with competitive rates. Our team simplifies the FHA approval process.
VA Loans
VA loans provide zero-down financing for veterans and military members. We specialize in VA-eligible properties with flexible qualification criteria. Our specialists ensure smooth transactions for service-related home purchases.
Jumbo Loans
Jumbo loans finance high-value properties exceeding conventional limits. Available with fixed or adjustable rates, these loans cater to luxury home buyers. We offer personalized terms for unique financing needs.
People
Chris Orsini
Regional Manager
With over 15 years of mortgage experience, Chris Orsini specializes in VA and conventional loans. He prioritizes client education and transparent communication, ensuring stress-free transactions for first-time buyers and investors.
Darryl Stolz
Senior Loan Officer
Darryl Stolz brings expertise in complex transactions, including multi-title properties and investment portfolios. His patient approach and market knowledge have earned consistent five-star reviews from clients and realtors.
Stacia Finley
Mortgage Banker
Stacia Finley excels in FHA and refinance loans, combining technical expertise with personalized service. She maintains open communication channels, keeping clients informed at every transaction stage.
Oliver Petri
Regional Manager
Oliver Petri specializes in investment property financing, guiding clients through vacation home purchases and portfolio expansion. His strategic approach optimizes loan structures for long-term financial goals.
Brittany Newton
Senior Mortgage Banker
Brittany Newton focuses on first-time buyer programs and low-down payment options. She simplifies complex loan processes, ensuring clients understand all aspects of their mortgage commitments.
Questions
What mortgage loan types do you offer?
We provide fixed-rate, FHA, VA, jumbo, USDA, investment property, and cash-out refinance loans tailored to individual financial situations.
How quickly can you close a mortgage?
Most loans close within 30 days through our efficient process, combining technology with hands-on specialist support.
Do you offer first-time homebuyer programs?
Yes, we specialize in FHA loans requiring 3.5% down and VA loans with zero down payment for eligible buyers.
Can I get pre-qualified online?
Yes, our secure online pre-qualification form provides immediate guidance on loan eligibility and budget parameters.
Do you finance investment properties?
We offer 15- and 30-year loans for vacation homes and rental properties with competitive rates for qualified buyers.
What areas do you serve?
While based in San Luis Obispo, we provide mortgage services across California and select national markets through our correspondent network.
