Business Details
Your Trusted Mortgage Partner in San Diego
At California Pacific Funding & Realty, we combine cutting-edge technology with a team of seasoned professionals to deliver low-rate home loans and tailored mortgage solutions. Our commitment to excellence ensures the quickest closings in the industry, backed by personalized guidance at every step. We specialize in conventional, government, second trust deeds, and private money loans, catering to both first-time homebuyers and experienced homeowners. Our Lock n' Shop program safeguards clients against rising interest rates, while our refinance services close in under 12 days.We pride ourselves on transparency, efficiency, and client-centric support, as evidenced by testimonials highlighting our exceptional service and dedication to meeting individual financial goals. With wholesale outlets and streamlined processes, we provide competitive rates and stress-free experiences, ensuring clients achieve homeownership or financial flexibility with confidence.
Services
Conventional Loans
Government Loans
Second Trust Deeds
Private Money Loans
Home Purchase Loans
Refinancing
Cash-Out Refinancing
First Time Homebuyer Programs
Down Payment Assistance
Lock n' Shop Program
Highlights and features
- We offer refinance closings in under 12 days.
- Our Lock n' Shop program protects against rate increases.
- We provide First Time Homebuyer Grants and Down Payment Assistance.
- Our team of seasoned professionals ensures expert guidance.
- Cutting-edge technology streamlines the mortgage process.
What people say
Exceptional attention to detail
Made it easy
Seamless and stress-free
Personalized attention
Unmatched professionalism
Services
Refinancing
Our refinance services lower monthly payments with competitive rates, closing in under 12 days. We streamline the process using advanced technology, ensuring quick, stress-free experiences. Clients benefit from expert guidance tailored to their financial goals.
Home Purchase Loans
We specialize in home purchase loans with fast closings and rate protection via our Lock n' Shop program. Our team supports buyers in securing ideal properties without worrying about rising rates, ensuring timely and budget-friendly transactions.
Cash-Out Refinancing
Cash-out refinancing helps clients leverage home equity for debt consolidation or remodeling projects. We simplify the process, providing clear terms and quick approvals to turn equity into usable funds efficiently.
First Time Homebuyer Programs
We offer grants and down payment assistance for first-time buyers, reducing upfront costs. Our advisors guide clients through eligibility requirements and application processes, making homeownership accessible and affordable.
Lock n' Shop Program
This program locks in interest rates while clients search for homes, shielding them from market fluctuations. It ensures predictable costs during the homebuying journey, combining flexibility with financial security.
Questions
What mortgage services do you offer?
We provide conventional, government, second trust deeds, private money loans, refinancing, cash-out options, and first-time homebuyer programs.
How quickly can you close a loan?
Refinances close in under 12 days, with home purchases finalized in as little as 7 days using our streamlined process.
Do you assist first-time homebuyers?
Yes, we offer grants and down payment assistance programs tailored to first-time buyers' needs.
What is the Lock n' Shop program?
It locks in your interest rate while you search for a home, protecting against market rate increases.
How do I apply for a mortgage?
Start with our online application or contact us directly for personalized guidance through the entire process.
