One application.
Dozens of lenders competing for your loan.
We don't lend money, we find who will, at the best terms. Pacific Community Lender is your local mortgage broker in Solano County, shopping the market so you don't have to.
No commitment. Pre-approval in as little as 24 hours.
A bank gives you one offer. We bring you the market.
Pick what you're shopping for and watch how a broker works. One application goes out to our lender network, offers come back, and you choose with a person explaining the tradeoffs in plain English.
- 1Tell us your goals. Buying, refinancing, or just exploring. No commitment.
- 2We shop dozens of lenders. Banks, credit unions, and wholesale lenders compete for your file.
- 3You pick, we close. Average close is 21 days, and we handle the paperwork.
Pacific Community Lender is shopping your loanYour broker sends one application out. Lenders compete for it.What are you shopping for? Tap one to watch lenders compete.
What We Help With
Every situation is different. That's why we don't have "one product." We find the right lender for your situation.
First-Time Buyers
FHA, conventional, USDA. We'll find the lowest barrier to entry for your specific situation.
Learn More →Refinancing
Rate drop? Cash out? We'll tell you if it actually makes sense — sometimes it doesn't, and we'll be honest about that.
Learn More →Bridge Loans
Buying before selling? We have lenders that do this without the headache, with short-term options to close the gap.
Learn More →Jumbo Loans
Over the conforming limit? We have wholesale lenders most people don't even know exist.
Learn More →Pre-Approval
24 hours. One application. Know exactly what you qualify for before you start shopping for homes.
Learn More →We work for you, not a bank
Think of us like an independent insurance agent. You wouldn't take one company's quote without comparing. Mortgages work the same way.
Going straight to a bank
- Only that bank's loan products
- The loan officer works for the bank
- One offer: take it or leave it
Working with Pacific Community Lender
- Banks, credit unions, and wholesale lenders
- Your broker works for you
- Competing offers, including specialty programs
A broker you can actually call
Competitive rates
We shop dozens of lenders so the offers compete, not you.
Fast closings
Your timeline matters. We coordinate everyone and keep you updated every step.
Your neighbors
Not a call center or an algorithm. When you call, you get a person in Vacaville.
Transparent fees
No surprises at the closing table. We walk through every fee before you sign.
What Our Clients Say
Let's Find The Right Loan For You
Ready to start your journey? Call or text us and one of our mortgage experts will reach out within 24 hours.
Phone
(707) 477-6687
contact@pclhomeloan.com
Office
190 S Orchard Avenue, Ste. B-115, Vacaville, CA 95688
Office Hours
Monday – Friday: 9:00 AM – 5:00 PM
Saturday: 9:00 AM – 2:00 PM
Sunday: Closed
Send Us a Message
Ready to Take the First Step?
Whether you're ready to apply or just have questions, we're here to help. Call us, chat with us, or stop by our Vacaville office.