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Best Home Loans in The South Bay

Pacific Funding Solutions



Pacific Funding Solutions is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices.


About us

Finding The Perfect Loan Is Our Business.

Since there are so many components to the mortgage process, we have taken special care to organize the most important qualifying steps, lending frequently asked questions, home buying and mortgage processes below.

We realize that that the information contained in this site could literally take you weeks to research and digest, so please contact us at any time for a personal consultation where we can address your specific needs and questions.

Learn More

Contact Pacific Funding Solutions to find out more about the products and services we can provide

Ph: 310-326-7200

Fax: 310-326-2108

NMLS# 1500948


Mortgage 101

Home Buying Process

Home Buying Steps / Process: Step 1 – Getting Pre-Approved Prior to Shopping for a Home It’s obviously important to know how much home you can afford, what type of down payment to...

Learning Center

Since there are so many components to the mortgage process, we have taken special care to organize the most important qualifying steps, lending frequently asked questions, home buying and mortgage...

Understanding Credit

Credit is one of the most important components in the mortgage approval process. Lenders look at a borrower’s credit score, number of open accounts, payment history, type of credit borrowed and...

Property Types

What’s The Difference Between A Primary Residence, Second Home and Investment Property? When applying for a mortgage, a borrower’s “Occupancy Type” is a major factor in the amount of down payment...

Mortgage Closing Cost

In addition to the basic mortgage underwriting, processing and origination fees that are charged by a lender, there are several other costs associated with purchasing a new property. Since every player...

Mortgage Rates

How Do I Know If I’m Getting The Best Interest Rate? Interest rates are impacted by a borrower’s credit score, loan term, mortgage program and a series of market factors that...

Mortgage Basics

Simply put, a mortgage is a loan secured by real property and paid in installments over a set period of time. The mortgage secures your promise that the money borrowed for...

Mortgage Payments

You’re probably curious why we’ve created an entire section about mortgage payments. However, since a mortgage payment is one of the major side affects of purchasing real estate with a home...

Mortgage Approval

Mortgage Approval Process Whether you’re a First-Time Home Buyer or seasoned investor, the mortgage approval process can be a slightly overwhelming adventure without a proper road map and good team in...

Closing Process

The home buying process is full of paperwork, important dates, contracts, market movements and checklists that can even overwhelm seasoned real estate investors. One of the main reasons to make sure...

Mortgage Terms / Vocab

Top Mortgage Terms To Know While most mortgage web sites offer a glossary containing hundreds of real estate and lending related terms, we wanted to highlight the top terms that most...

Top 8 Questions To Ask

Top 8 Things To Ask Your Lender During The Application Process Knowing what questions to ask your lender during or before the loan application process is essential for making your mortgage...


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Our Team






  • David W.
    Marisa and Mike were perfect, I was looking to refi my current 30 year mortgage into a 15 year conventional loan.  I shared with Mike what my financial situation looked like and what I would like to see as far as monthly payments, impounds, etc and everything was considered and dialed in as requested.  There was…
  • Diane P.
    I thoroughly enjoyed working with Pacific Funding Solutions.  I found everyone easy to work with and their attention to detail and personal touches made the process very enjoyable. Mike and Marisa are knowledgeable, easy to communicate with and experienced in their fields.  They have the ability to explain lending issues in terms that we all…
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