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About us >
With nearly two decades behind us as the financier of our clients’ dreams, PacRes brings you the power of a national bank with the insight and care of a local advisor.
Getting started >
You bring the dream. We'll bring the diagram.
There’s a financing solution for just about every situation.
News and Insights >
No Down Payment for First-Time Homebuyers
Explore how no down payment first-time homebuyer mortgages work. Learn about zero down payment options...
Mortgage process >
Our interview component during the application process keeps your needs front and center. Our advisors will talk with you about your finances and goals, guiding you toward the best possible choice.
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A PacRes pre-approval will give your budget an expert’s stamp of approval and allow you to approach your house-hunting or refinance journey with confidence.
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Your Mortgage Advisor will order a property appraisal once due diligence is complete. At this point, our underwriters have reviewed and approved both you and the property.
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You're getting close! Now, official paperwork will be distributed. At PacRes, we make sure your documents get to the right people to keep your transaction on schedule.
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After signing your loan paperwork, our team will work behind the scenes to review documents, release funds, and make sure the deed is recorded with the county.
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You’ve crossed the finish line! PacRes is still here to help. Whether it’s a question about your loan, plans to grow your real estate portfolio, or refinancing, we’re just around the corner.
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Our mortgage process
It’s different—because it’s all about partnership, not paperwork.
1
Apply & explore
Our interview component during the application process keeps your needs front and center. Our advisors will talk with you about your finances and goals, guiding you toward the best possible choice.
x
2
Pre-approval
A PacRes pre-approval will give your budget an expert’s stamp of approval and allow you to approach your house-hunting or refinance journey with confidence.
x
3
Appraisal
Your Mortgage Advisor will order a property appraisal once due diligence is complete. At this point, our underwriters have reviewed and approved both you and the property.
x
4
Documents
You're getting close! Now, official paperwork will be distributed. At PacRes, we make sure your documents get to the right people to keep your transaction on schedule.
x
5
Sign
After signing your loan paperwork, our team will work behind the scenes to review documents, release funds, and make sure the deed is recorded with the county.
x
6
That's it
You’ve crossed the finish line! PacRes is still here to help. Whether it’s a question about your loan, plans to grow your real estate portfolio, or refinancing, we’re just around the corner.
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What our clients say >
I felt like I was treated like family, great communication and helping me with any questions I had.
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