Business Details
Your Trusted Mortgage Broker in Tacoma, WA
At Emerald Pacific Capital, our mission is to set a high standard in the mortgage industry by prioritizing quality customer service and putting clients first. We guide clients through the home loan process to help them confidently select the best mortgage for their needs, working continuously to achieve their homeownership goals. With expertise in residential lending, we offer personalized consultations and a wide range of loan programs, including conventional, FHA, VA, USDA, and jumbo loans.Our team emphasizes transparency, professionalism, and consideration, ensuring clients feel confident in their mortgage decisions. We strive to build long-term relationships, aiming to be the first choice for future mortgage needs while fostering trust through exceptional service and client referrals.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Reverse Mortgage Loans
Commercial Loans
Construction Loans
Non-QM Loans
Refinance Loans
Highlights and features
- We offer expertise in residential lending with diverse loan programs.
- Our team provides personalized consultations and transparent communication.
- We specialize in competitive rates for first-time buyers and investors.
- 24/7 approval processes ensure timely mortgage solutions.
- Certified professionals with decades of combined industry experience.
What people say
Amazing service
Great interest rate
Smooth process
Timely communication
Professional expertise
Services
Conventional Loans
Conventional fixed-rate loans offer stable interest rates and predictable monthly payments. Ideal for borrowers seeking long-term financial planning, these loans typically require a 20% down payment but may accommodate lower amounts. Available in 10-, 15-, 30-, and 40-year terms, they cater to diverse homeownership goals.
FHA Loans
FHA loans provide accessible homeownership for low-to-moderate-income buyers with flexible credit requirements. These government-backed mortgages require minimal down payments and competitive rates. Designed for first-time buyers, they offer relaxed qualification criteria and lower credit score thresholds.
VA Loans
VA loans offer zero-down-payment options and favorable terms for eligible veterans and active-duty personnel. Backed by the U.S. Department of Veterans Affairs, these loans feature competitive rates, reduced closing costs, and lenient credit standards for military families.
Refinance Loans
Refinance loans help homeowners lower payments, adjust loan terms, or access home equity. Options include rate-and-term refinancing for better rates or cash-out refinancing for financial needs. The process involves credit checks, appraisals, and financial evaluations.
Construction Loans
Construction loans fund new home builds or major renovations with staged disbursements during project phases. These short-term loans convert to traditional mortgages post-construction. Ideal for custom homebuilders, they require detailed project plans and financial assessments.
People
David Smith
Mortgage Professional
David Smith specializes in residential and investment mortgages with a focus on client satisfaction. He provides personalized guidance through loan processes, emphasizing transparency and tailored solutions. His expertise includes conventional, VA, and construction loans.
Questions
What loan programs do you offer?
We offer conventional, FHA, VA, USDA, jumbo, reverse, construction, non-QM, and refinance loans.
Do you work with first-time homebuyers?
Yes, we specialize in guiding first-time buyers through mortgage options and down payment assistance programs.
What credit score is required for a mortgage?
Minimum FICO scores vary: 620 for non-QM loans, 680 for conventional loans.
Can I refinance my current mortgage?
Yes, we offer rate-and-term and cash-out refinancing options to lower payments or access equity.
Are VA loans available for veterans?
Yes, VA loans provide zero-down-payment options for eligible veterans and active-duty service members.
How do I start the mortgage process?
Apply online or contact us at 253-240-1982 for a free consultation and personalized loan guidance.
Reviews (6)
Greg Newman
Aug 15, 2020
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David and his team were amazing. They did an outstanding job of Helping us refinance our mortgage loan. We ended up with a great interest rate and we were able to knock 10 years off of our loan and keep the payments close to the same.
Donna Young
Dec 22, 2019
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David was immensely patient with us when we didn't understand something or when we had a mini melt-down. There were a couple of times when he went to bat for us and had a situation rectified. Throughout the whole loan process we felt he was on our side, looking out for our interests. So, we think David is terrific, and very professional.
Blake Olin
Dec 04, 2019
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I couldn't ask for more. I had put off re-financing for over a year, primarily because I didn't know where to start. David Smith walked me through each step, answered all my questions, and saved me lots of money. It was comforting knowing I was in good hands. Thanks
Blake
Blake
Barrans Realty
Dec 03, 2019
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David Smith helped me purchase an investment home. Great Job! On top of things. I have him working with me to help my clients get into a home.
Tim Barrans, Barrans Realty
Tim Barrans, Barrans Realty
Christopher Wang
Nov 14, 2019
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I was interested in possibly doing a home refi and I contacted David to talk about it. He was very communicative and knowledgeable without being pushy at all. Gave me enough information to make the decision to refi my home. The whole process was very quick and painless. Working with David was a complete joy and Im so glad it went smoothly!
Greg Reed
Oct 31, 2019
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David Smith helped us with refinancing our home. We appreciated how he kept us informed every step of the way! David was professional and was quite flexible with our schedules as he walked us through the process. In the end, he helped us save a lot of money! Thank you David!
