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General Introduction

About 80% of the millionaires are first generation (people who became millionaires without any inherited wealth) …

Real estate has created more first generation millionaires than stocks, bonds, lotteries, casinos, being a celebrity … ALL of them combined.  At Pacific Green Funding, our objective is to make sure that you are able to use your mortgage now and in the future to help you become financially independent.

Are you still renting and putting your hard earned money into someone else’s pocket?

You need a place to live anyways… and so owing a home is not a luxury. You can own your home with as little as 1% down payment. In most cases this is less than 1 or 2 months of rent you are paying. Call us at 510-54-LOANS and find out what it will take for you to own your own sweet home.

Mortgage lending guidelines change very frequently and it is important that you work with someone who is very knowledgeable. We put our expertise to work for you and make sure you get the mortgage that fits you with better terms and close on time. Pacific Green Funding has won the Fremont Bulletin’s “Best Mortgage Broker” award for 5 years in a row, since 2013. So, you are in good hands. Call Pacific Green Funding at 510-54-LOANS and we would love to meet you in person and answer your questions.

We are a direct lender and a mortgage broker in the bay area and have access to lot of loan products that most banks don’t have. We are a BBB accredited business. We are also CA state certified Green Business (which means we use fewer resources to get the same job done compared to others)

For more information on how we can assist you with your home mortgage needs please visit our website at www.pacificgreenfunding.com or call us at 510-54-LOANS

Importance of Credit Score

Credit Score is one of the most important factors that determines what loan programs you qualify for and also interest rate you will pay.

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There are hundreds of different credit score formulas available in the marketplace and it is important that we pay attention to the right one (that is used in mortgage lending).

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At Pacific Green Funding, we shop with lot of wholesale lenders and this means we can find the best loan program available for you even if you have a lower credit score.

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The biggest advantage in working with Pacific Green Funding is, we can help analyze your credit report and provide recommendations on how to increase your credit score. Implementing these strategies will help you get better interest rate and lower monthly payments.

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As part of the preapproval process, we will review the “dos and don’ts” with you and make sure there are no surprises when we start the actual loan process.

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Visit www.PacificGreenFunding.com to start the loan application or to just run your credit check by yourself. It is because of our services to our clients we have been voted as the One of the Best Mortgage Brokers in the Bay Area and in Fremont since 2013.

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Attend one of our homebuyer seminars to learn more about the process. Visit www.PacificGreenFunding.com to find out the schedule. You will learn relevant and latest information about the buying and financing process.

For more information on how we can assist you with your home mortgage needs please visit our website at www.pacificgreenfunding.com or call us at 510-54-LOANS

We Will Help You Get the Loan That's Right for You. Our Clients Are Top Priority

Importance of Preapproval

Most real estate transactions that fail are because of not being able to get the financing. And mortgage lending guidelines constantly change. By getting pre-approved, you can be sure that there will be no surprises when you actually do the loan.

Mortgage approval has several moving parts. It is important to understand what and how these moving parts affect your qualification. When you are renting, you do not worry about

1. What the Property Tax Rate is…

2. What the HOA (Home Owner Association) dues are…

3. Whether you have a car loan or have credit card balances or student loans

4. Excellent credit score

5. What the insurance amount will be …

6. Home maintenance costs

When you want to own a home, you need to understand and consider all of these expenses. The loan amount you are approved for, can and will change if any of the above items change. Call Pacific Green Funding at 510-54-LOANS and setup a time to meet in person and we can review everything with you.

Not all pre-approvals are created equal. 

• We do not cut corners. We thoroughly vet all of your documents

• We review all the moving parts with you

• We have access to more loan programs than the big banks do.

• We work with the listing agent and make sure they understand that you are a well qualified buyer and make the negotiations easier.

• And there is no obligations and the pre approval process is of no cost to you.

For more information on how we can assist you with your home mortgage needs please visit our website at www.pacificgreenfunding.com or call us at 510-54-LOANS