Business Details
29 Years
experience
Trusted Mortgage Experts in Florida
Pacific Lending Group has been a trusted mortgage brokerage since 1997, specializing in customized mortgage solutions for South Florida homeowners and buyers. Our team of experienced loan originators, led by President Javier Cubas, combines 25+ years of industry expertise with a commitment to personalized service and competitive rates. We maintain an A+ Better Business Bureau rating and work with dozens of lenders to offer conventional, FHA, VA, jumbo, and self-employment loans.Our streamlined process ensures 21-day closings and 24-48 hour approvals through local appraisers and underwriters. We prioritize client satisfaction by providing transparent guidance through every step of the home-buying journey.
Services
Conventional Loans
FHA Loans
VA Loans
Jumbo Loans
Self-Employment Loans
Details
- Year established: 1997
Highlights and features
- We save you time and money by negotiating the lowest rates available
- We use local appraisers & underwriters for 21-day loan closings
- We work with dozens of lenders to provide more mortgage options
- 25+ years of experience securing competitive interest rates
- A+ Better Business Bureau rating for exceptional customer service
Associations and certifications
- Better Business Bureau
What people say
Great to work with
Stressful process made easy
Accommodating and patient
Complete satisfaction
Expert mortgage advice
Services
Conventional Loans
Conventional loans provide fixed or adjustable-rate mortgages without government backing. These loans offer flexible terms from 10-30 years with competitive rates for borrowers with strong credit profiles. Our team helps clients choose between conforming loans up to $417,000 or non-conforming options based on their financial situation and homeownership goals.
FHA Loans
FHA loans require only 3.5% down payment with lenient credit requirements for first-time buyers. These insured mortgages allow gift funds for down payments and seller contributions toward closing costs. Our specialists guide clients through FHA's fixed and adjustable-rate options with no cash reserve requirements.
VA Loans
VA loans offer 100% financing with no down payment for eligible military personnel and veterans. We waive appraisal fees up to $450 for these loans that feature competitive rates and seller-paid closing costs. Our team assists with certificate of eligibility verification and full entitlement documentation.
Jumbo Loans
Jumbo loans exceed conventional loan limits starting at $417,000 with fixed or adjustable rates. These non-conforming mortgages require strong credit profiles and documentation of substantial assets. Our experts help high-income borrowers structure applications to meet specialized underwriting guidelines for luxury properties.
Self-Employment Loans
Specialized loans for self-employed borrowers using alternative documentation methods. We help clients maximize approval chances by strategically presenting business financials and tax returns. Our programs accommodate variable income streams while meeting lender requirements for debt-to-income ratios and collateral strength.
People
Javier Cubas
Owner and President
Licensed mortgage broker since 1997 with 25+ years of industry experience. Helped thousands of clients achieve homeownership through strategic mortgage solutions and personalized guidance.
Questions
What mortgage loan programs do you offer?
We offer conventional, FHA, VA, jumbo, FHA 203k, and self-employment loans with competitive rates for first-time buyers and experienced homeowners.
How quickly can I get approved for a mortgage?
Our online application process delivers approvals within 24-48 hours using local appraisers and underwriters for faster loan processing.
Do you work with first-time homebuyers?
Yes, we specialize in helping first-time buyers qualify for low-down-payment options and special financing rates with personalized guidance.
Can self-employed individuals qualify for mortgages?
Yes, we offer specialized loan programs for self-employed borrowers with documentation strategies to maximize approval chances and competitive rates.
Are VA loans available for military personnel?
Yes, we offer VA loans with no down payment requirements and waive appraisal fees up to $450 for all VA home loans.
