About Mortgage Center
Pacific Coast Home Loans & Realty (PCHLR) is dedicated to providing clients with a simple, secure, and hassle-free loan experience. With over $3 billion in funded loans, their emphasis on customer service sets them apart from other brokers and lenders.
PCHLR offers zero-cost refinances, no lender and no broker fee purchases, top-of-the-industry closing times, great rates, and availability 7 days a week. They provide one-on-one attention to ensure the loan process is as simple as possible for each client.
Licensed as a Real Estate Broker by the California Department of Real Estate (DRE #01850417, NMLS #303658), PCHLR offers a range of loan options including Conventional, Jumbo, Reverse Mortgage, Bank Statement, VA, FHA, and Home Equity Loans. They specialize in same-day pre-approvals and 1-2 day conditional approvals.
PCHLR offers zero-cost refinances, no lender and no broker fee purchases, top-of-the-industry closing times, great rates, and availability 7 days a week. They provide one-on-one attention to ensure the loan process is as simple as possible for each client.
Licensed as a Real Estate Broker by the California Department of Real Estate (DRE #01850417, NMLS #303658), PCHLR offers a range of loan options including Conventional, Jumbo, Reverse Mortgage, Bank Statement, VA, FHA, and Home Equity Loans. They specialize in same-day pre-approvals and 1-2 day conditional approvals.
Company Information
Lender Type: Mortgage Broker
Total Loans Originated: $3 billion in funded loans
Licensed In
CA
Digital Capabilities
Rate Calculator
Home Loan Products
Conventional Loans
Loan Types:
Conventional
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Manufactured/Mobile HomeCo-opInvestment PropertyVacation/Second HomeTiny HomeModular Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full Documentation
Special Programs:
First-Time Homebuyer
Available Terms:
15 years20 years30 years
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)Bad (<580)
3%
Min Down Payment
Jumbo Loans
Loan Types:
Jumbo
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Manufactured/Mobile HomeCo-opInvestment PropertyVacation/Second HomeTiny HomeModular Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full Documentation
Available Terms:
15 years30 years
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)Bad (<580)
Reverse Mortgage Loans
Loan Types:
Reverse Mortgage
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Manufactured/Mobile HomeCo-opInvestment PropertyVacation/Second HomeTiny HomeModular Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)Bad (<580)
Bank Statement Loans
Loan Types:
Bank Statement
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Manufactured/Mobile HomeCo-opInvestment PropertyVacation/Second HomeTiny HomeModular Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
Self-EmployedBusiness Owner
Income Verification:
Bank Statement
Special Programs:
Self-Employed ProgramBank Statement Program
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)Bad (<580)
VA Loans
Loan Types:
VA
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Manufactured/Mobile HomeCo-opInvestment PropertyVacation/Second HomeTiny HomeModular Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full Documentation
Special Programs:
Veteran Program
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)Bad (<580)
0
FHA Loans
Loan Types:
FHA
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Manufactured/Mobile HomeCo-opInvestment PropertyVacation/Second HomeTiny HomeModular Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full Documentation
Special Programs:
First-Time Homebuyer
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)Bad (<580)
3.5%
Min Down Payment
580
Min Credit Score
Home Equity Loans
Loan Types:
HELOCHome Equity Loan
Rate Types:
Adjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Manufactured/Mobile HomeCo-opInvestment PropertyVacation/Second HomeTiny HomeModular Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full Documentation
Available Terms:
10 years20 years30 years
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)Bad (<580)
Contact Information
2350 Main St
Irvine, CA 92614
US
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Business Information
Category: Mortgage Broker
Location: Irvine, CA
Status: Standard
Type: Mortgage Broker
Loans Originated: $3 billion in funded loans
Profile Views: 24
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