Ready to purchase a home? Download our 5-Step Guide to prepare for your journey to home ownership!

What We Do

Our passion is helping our clients finance and purchase the home of their dreams!

Read More

Who We Are

Our team has decades of experience leading families through the home buying process.

Read More

Now Doing Loans in Colorado!

More information coming soon. Please don't hesitate to contact us today if you're in the market!

Read More

Pacific Financial Mortgage

We Haven’t Seen This in Over a Decade!

These are interesting times in the housing market and we’re seeing lots of speculation around what it all means and how it’s all going to shake out. According to Freddie Mac’s weekly survey of average rates, the average for a 30-year fixed mortgage has now officially hit 5.0 percent on the survey, a level not

Read More

Pacific Financial Mortgage

Special Alert for Homeowners!

It’s probably not a surprise to you, but mortgage rates continued to increase this past week clocking the fastest three-month rise since May of 1994, according to Freddie Mac’s latest survey of average mortgage rates. The survey also reported – and I will corroborate – that purchase activity is softening, which, if you’ve been on

Read More

Rates Take a Breather Last Week, but Back at It to Start This Week…

Last week mortgage rates had their best week in terms of improvement since early March, which offered a breather from rising rates and opportunities to lock in slightly lower rates. The catch is that overall for March, rates are at their highest levels since 2018.  This week’s rates have continued their move higher making it

Read More

The Wild Ride Continues and It’s Jobs Week!

Wild times we’re living in! Last week’s events including rising inflation, continued geopolitical uncertainty, and the Fed’s move to raise its key interest rate, drove mortgage rates higher at a pace not seen in a long time. According to Freddie Mac’s weekly survey, which came out last Thursday, the average rate for a 30-year fixed-rate

Read More

Pacific Financial Mortgage

As We Expected, Rates Continue March Higher as Inflation Increases

The average rate for a 30-year fixed-rate mortgage rose last week, exceeding four percent for the first time since May 2019, according to Freddie Mac’s weekly survey of rates. We continue to see inflation climb and thus rates are expected to do the same. No one likes to see mortgage rates rising, however, there are

Read More

Pacific Financial Mortgage

On Tap This Week: Fed Meeting, Inflation & Continuing Conflict in Ukraine

As we continue to watch events unfold in Ukraine and rising inflation here at home, the volatility in markets and mortgage rates continues. And in addition to the already skittish markets, we’ve got an important Fed Meeting this week. Following two weeks of declines, the latest trend in mortgage rates, as reported by Freddie Mac

Read More

Pacific Financial Mortgage

Volatility Driving Rates Right Now

As we watch the horrific scene unfolding in Ukraine our hearts go out to those fighting for and fleeing their country. Please join me in sending prayers and support to those affected. This geopolitical tension has destabilized markets here and led to investors seeking safer places to put their money, which means moving out of

Read More

Pacific Financial Mortgage

Jobs Week, Inflation, Russia-Ukraine Conflict Add Up to Volatility…What You Can Expect

Lots to unpack in this update to help you understand what’s happening globally and how it trickles down to affect the mortgage rate you could be paying on your next home finance or refinance. As you know, the Russian-Ukrainian conflict continues and looks to be escalating. The stock market doesn’t like the geo-political uncertainty, especially

Read More

Pacific Financial Mortgage

Push and Pull of Volatility and Why It’s Happening…

We are tracking lots going on here at home and globally that are creating more volatility than normal in markets and mortgage rates. Last week we saw mortgage rates rise again thanks to high inflation numbers and stronger than expected consumer spending. The average rate trend for the 30-year fixed mortgage is nearing four percent,

Read More

Pacific Financial Mortgage

It’s Starting to Look Like Pre-pandemic Times…

Before we dive into what’s happening this week, I’ve got some BIG news! We are now doing loans in the state of Colorado! If you or someone you know is in the market, we’d love to help you out. And now back to your weekly update… Last week was a wild week once again as

Read More