01/2017 -


Mr. Jones had been with a local Realtor and LO since May.

They needed to have a specific payment and they had no

cash to close but they were VA. Their lease wasn’t up until

September so their LO told them in May what the rate

would be, which at that time they could pay about 2/3rd’s

of the closing costs. So, they were prepared to come up

with the rest of cash to close. They decided to meet again

in August when their lease was about up.

When they met in August numerous things had changed.

The LO’s company had changed and he could no longer pay for the closing costs and the rate had increased. To say Mr. Jones was upset was an understatement. They decided not to buy and would wait until next year.

I met Mr. Jones through church and he told me what had just happened. I listened and explained what we could do and of course he was skeptical. Why could I do this and not his old LO and Realtor?

We met and I brought a chart to show the difference of rates and closing costs so they could visually see and understand on how we could make it work. They found a home within 2 weeks using the same Realtor and we closed in October.

The rate was 3.375 (The other Lender’s rate was in the 4’s) and our lender was able to pay for over $7,900 in closing costs. We could obtain the payment they want, along with covering the closing costs to make the loan work.

Here at PCL we believe we can add value by having the experience to structure a loan that works for our clients. You know when it works when we obtain referrals ( which we do). At PCL we have the traditional programs FHA, VA & Conforming but the flexibility to these programs and more programs that allows us to think outside the box to make loans work.  PCL was setup to think outside the box to structure loans to fit the different programs we offer.

*Names changed for privacy of our borrowers

Mortgage of the Month 


I was referred to Clarke of PCL by another lender. They couldn't help me because of my notice of default the year before and my credit problems. I had a loan mod with the my current lender and I need cash to do improvements and to get out of the current interest rate I had. Clarke has great sense of humor and is easy to talk to, after we discuss a few options he knew exactly what to do. I submitted the paper work that was required and his processor Mary helped with the rest. They both made it easy!

Sherry C.

Winters, CA

I was trying to buy a home, my credit was great 800, I had money in the bank to put down 20% and the realtor referred me to a bank. They felt no problem with my loan and I gave them the paper work they requested but as they kept requesting more paper work and ask more questions they said we have a problem. The realtor recommended an other lender I told them what I had just encountered and again they assured me no problem but then again we had a problem with my income.

The realtor then referred me to another lender or in the this case a broker. Of course at this point I was very skeptical that anyone could give me a loan, which didn't make sense to me. So as I explain to Clarke what I was told and he listened. He told me he was not a bank and that he had more options to approve my loan then a bank. So I gave him all of my paper work and after he reviewed the paper work he told me what he could do. So I listened and follow what he and Mary ask for and I'm now in my new home, with  my interest rate lower then the bank!

Guy K.

San Jose, CA

I honestly didn't think anyone could help us out of the financial bind we were in. My income just started increasing but I felt my credit scores weren't good enough. At least that was what my mortgage note holder told me, so I went online and found PCL. I spoke to Clarke and after we discuss my situation he explain on how he felt he could help. Since my income and credit wasn't the traditional way, a bank would not do a mortgage. He had other investors to help us out so we were able to use my income along with my wife's bank statements to qualify us and when all was said and done, I was saving over $2,000 on our monthly outgo and I thought no one could help us!!

Rob D.

El Dorado Hills, CA

I was buying a home and the realtor sent me to couple of lenders she used. I was self-employed and I understand in some cases it is difficult to loan someone like me money. Because when your self-employed we can write off numerous expenses. Each lender told me I didn't make enough money. Very frustrating as we have money in the bank and our credit scores are good, but then one of the lenders mention to me to contact Clarke with PCL. 

We contacted Clarke, he did review my income the same way that the other lenders did but he ask if my business was paying for some of our personal bills. I said yes and then he went to work. I don't know all the in's and outs of what he did but I use only one year of taxes instead of two years that the other lenders asked for and was able to get our loan approved and with a great rate on top of it. 

I have my own business and this is the way I like to treat my customers. Making them feel important and handling business with professionalism.

Don M.

Fairfield, CA

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2016 Pacific Community Lender

Licenses: Individual NMLS# 226858, BRE# 01171862

Corporate: NMLS# 1322440, BRE# 01949419

190 S Orchard Avenue Ste. B-115, Vacaville, CA 95688


Rates and Programs subject to change without notice. We cannot guarantee that you will get a loan

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