Business Details
Trusted Mortgage Partner in South Florida
Established by Javier Cubas in 1997, Pacific Lending Group has built a reputation as a trusted mortgage brokerage in South Florida. Our team of experienced loan originators specializes in navigating the complexities of mortgage financing, offering tailored solutions for homebuyers, refinancers, and self-employed individuals. With a focus on personalized service, we leverage relationships with dozens of lenders to secure competitive rates and expedite loan closings within 21 days. Recognized by the Better Business Bureau with an A+ rating, we prioritize transparency, client education, and ethical practices. Our expertise spans conventional loans, FHA and VA programs, jumbo mortgages, and specialized products for unique financial situations.We maintain a client-centric approach, guiding homeowners through every step of the process while maintaining rigorous compliance with industry standards. Our commitment to excellence has enabled thousands of clients to achieve homeownership, supported by a streamlined digital application and responsive communication. By combining market knowledge with innovative tools, we ensure clients receive accurate advice and customized mortgage strategies that align with their financial goals.
Services
Conventional Loans
FHA Loans
VA Loans
Jumbo Loans
FHA 203k Loans
Self-Employment Loans
Highlights and features
- We negotiate competitive rates across a broad lender network.
- 21-day loan closings using local appraisers and underwriters.
- Specialized programs for first-time buyers and self-employed individuals.
- A+ Better Business Bureau rating for ethical lending practices.
- 25 years of mortgage industry expertise guiding personalized solutions.
Associations and certifications
- Better Business Bureau
What people say
Great to work with
Stress-free process
Personalized support
Quick approvals
Exceptional service
Services
Conventional Loans
Conventional loans provide fixed or adjustable-rate mortgages without government backing. These loans offer flexible terms from 10 to 30 years, catering to borrowers with strong credit profiles seeking predictable payments or market-responsive rates.
FHA Loans
FHA loans enable low-to-moderate-income borrowers to purchase homes with 3.5% down payments. Insured by the Federal Housing Administration, these loans feature lenient credit requirements and allow seller contributions toward closing costs.
VA Loans
VA loans provide zero-down payment options and competitive rates for eligible military personnel and veterans. We waive appraisal fees for these loans as part of our commitment to supporting service members' homeownership goals.
Jumbo Loans
Jumbo loans serve high-value property purchases exceeding $417,000. We offer fixed and adjustable-rate options with tailored underwriting criteria for luxury homebuyers and investors in premium markets.
Self-Employment Loans
Self-employed borrowers receive specialized mortgage solutions considering non-traditional income documentation. We develop strategies to demonstrate repayment capacity while accounting for business deductions and cash flow patterns.
People
Javier Cubas
Owner and President
With 25 years of mortgage industry experience since 1997, Javier Cubas has helped thousands of clients achieve homeownership. His leadership focuses on ethical lending practices, innovative mortgage solutions, and maintaining strong industry partnerships.
Questions
What mortgage programs do you offer?
We provide conventional, FHA, VA, jumbo, FHA 203K, and self-employed loans with competitive rates tailored to diverse financial situations.
Can I apply for a mortgage online?
Yes, our secure online application allows pre-qualification in minutes with full approval typically completed within 24-48 hours.
Do you offer special programs for first-time homebuyers?
We specialize in first-time buyer programs with low down payment options, including FHA loans requiring just 3.5% down payment.
How does Pacific Lending Group support military veterans?
We waive appraisal fees on VA loans for qualified veterans and offer 100% financing options to honor their service.
What documentation is needed for self-employed borrowers?
Self-employed applicants provide tax returns and financial statements demonstrating repayment capacity while accounting for business deductions.
Are your mortgage rates competitive?
Our A+ Better Business Bureau rating reflects our commitment to negotiating the lowest available rates through relationships with multiple lenders.
