Business Details
Your Trusted Mortgage Partner in Orland Park, IL
At Pacific One Mortgage, we take pride in guiding our clients through every step of the mortgage loan process with integrity and expertise. Our team is dedicated to helping you discover your new home, whether you're purchasing your first property, refinancing, or renovating your current residence. We believe in transparent communication, personalized service, and a no-excuses mindset to ensure your experience is seamless and stress-free. Our core values of honesty, respect, and passion drive everything we do, from offering competitive loan programs to providing exceptional customer support. With decades of combined experience in the mortgage industry, we are committed to delivering tailored solutions that meet your unique financial needs.Our clients consistently praise our professionalism, attention to detail, and ability to secure the best possible rates and terms. We specialize in conventional, FHA, VA, jumbo, USDA, and renovation loans, ensuring there's an option to fit every homeowner's situation. By eliminating application fees, broker fees, and processing fees, we make homeownership more accessible and affordable. Our mission is to simplify the mortgage process while maintaining the highest standards of excellence and efficiency. When you choose Pacific One Mortgage, you're partnering with a team that treats every client like family and prioritizes your long-term satisfaction.
Services
Conventional Loans
FHA Loans
VA Loans
Jumbo Loans
USDA Loans
Renovation Loans
Fixed Rate Mortgages
Adjustable Rate Mortgages
Mortgage Refinancing
Home Purchase Loans
Highlights and features
- We offer zero application, broker, and processing fees for all mortgage loans.
- Our team provides personalized guidance through every step of the mortgage process.
- We maintain a no-excuses mindset focused on client satisfaction and accountability.
- Our mortgage experts have decades of combined experience in the industry.
- We specialize in multiple loan programs to accommodate diverse financial situations.
What people say
Amazing job
Best rate possible
Great Broker
Professional service
Highly recommend
Services
Conventional Loans
Our conventional loan programs offer flexible terms ranging from 10 to 30 years with down payments as low as 3%. These fixed-rate mortgages are ideal for borrowers with strong credit histories and stable income. Our experienced loan officers help you navigate the process while ensuring competitive rates and transparent terms.
FHA Loans
FHA loans require just 3.5% down with credit scores starting at 580. These mortgage options provide accessible homeownership opportunities for first-time buyers and those with moderate credit challenges. Our team specializes in streamlining FHA loan approvals while maintaining strict compliance standards.
VA Loans
We offer 100% financing VA loans for eligible military personnel and veterans. These specialized programs include no mortgage insurance requirements and flexible qualification criteria. Our dedicated VA loan specialists ensure a smooth process for those who have served our country.
Mortgage Refinancing
Our refinancing solutions help homeowners reduce monthly payments, shorten loan terms, or access home equity. We analyze current market conditions and your financial situation to determine optimal refinancing opportunities while maintaining transparent fee structures.
Renovation Loans
Our renovation loan programs finance both property purchase and improvement projects up to 96.5% LTV. These specialized mortgages allow homeowners to complete upgrades without multiple loans. We coordinate financing for appliances, structural improvements, and energy-efficient upgrades under a single interest rate.
People
Chris Zabat
Mortgage Broker
Chris Zabat brings over 15 years of mortgage industry experience, specializing in personalized loan solutions. Clients praise his market knowledge, transparent communication, and commitment to securing optimal financing terms for each unique situation.
Gina
Loan Officer
Gina combines technical expertise with exceptional client service, guiding borrowers through complex mortgage processes. Her attention to detail and availability have earned consistent praise from clients navigating first-time home purchases and refinancing projects.
Questions
What mortgage loan options do you offer?
We provide conventional, FHA, VA, jumbo, USDA, and renovation loans with terms from 10-30 years. Our specialists help determine which program best fits your financial situation and homeownership goals.
Are there any application fees?
No. We eliminate all application fees, broker fees, and processing fees to make homeownership more accessible while maintaining competitive loan terms and rates.
How does the mortgage pre-approval process work?
We'll review your W2s, pay stubs, and bank statements to determine your affordability range. This process typically takes 1-3 business days and results in a formal pre-approval letter for home shopping.
Can I refinance my current mortgage?
Yes. We specialize in rate-and-term refinancing to reduce payments, shorten loan terms, or cash-out refinancing for home improvements. Our team analyzes your current loan terms and market conditions to determine optimal timing.
What areas do you serve?
While based in Orland Park, IL, we provide mortgage services throughout Illinois and select markets nationwide. Contact us to verify availability in your specific location.
