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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 budget for, monthly mortgage payment as well as what type of loan program you’ll be using to finance the new property. Certain mortgage loans have residence type, HOA, appraisal or insurance...

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 your corner. Updated program guidelines, mortgage rate questions and down payment requirements are a few of the components you’ll need to be aware of when getting mortgage financing for a purchase...

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 a series of other factors when determining what level of risk to assess to each lending scenario. Down payment requirements, loan programs, flexibility on income and even interest rates can be...

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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