Business Details
8 Years
experience
Your Trusted Mortgage Partner in Pompano Beach, FL
Pacific Lending Group has been dedicated to helping clients achieve homeownership since 2018. Our team of experienced mortgage professionals specializes in overcoming credit challenges and customizing loan solutions to meet individual needs. With a focus on fast approvals and competitive rates, we offer a comprehensive range of mortgage products including conventional, FHA, VA, jumbo, and self-employment loans. Our A+ Better Business Bureau rating reflects our commitment to exceptional customer service and transparency throughout the lending process.Led by President Javier Cubas, our diverse team of loan originators brings decades of combined industry expertise to every client interaction. We maintain partnerships with multiple lenders to ensure access to the broadest pool of financing options while prioritizing local market knowledge and personalized guidance.
Services
Conventional Loans
FHA Loans
VA Loans
Jumbo Loans
FHA 203k Loans
Self-Employment Loans
Details
- Year established: 2018
Highlights and features
- We offer 24-48 hour loan approvals with expert credit analysis
- Our team provides local market expertise in South Florida
- We maintain partnerships with dozens of lenders for competitive rates
- Our A+ Better Business Bureau rating demonstrates service excellence
- We specialize in overcoming credit challenges for homebuyers
What people say
Great to work with
Fast approvals
Personalized service
Competitive rates
Stress-free process
Services
Conventional Loans
Conventional loans provide fixed or adjustable rate options with standard underwriting guidelines. These mortgages suit borrowers seeking flexible terms from 10-30 years without government backing. Our experts help clients choose between fixed-rate security or adjustable-rate savings based on their financial goals and market conditions.
FHA Loans
FHA loans require only 3.5% down payment with lenient credit requirements, ideal for first-time buyers. We assist clients in utilizing gift funds and seller contributions while navigating the insurance requirements. Our team simplifies the process for low-to-moderate income borrowers seeking homeownership opportunities.
VA Loans
VA loans offer zero down payment options for eligible military personnel and veterans. We provide specialized support including waiver of appraisal fees and guidance through the certificate of eligibility process. Our team ensures veterans maximize their benefits with competitive rates and streamlined closing procedures.
Jumbo Loans
Jumbo loans serve properties exceeding $417,000 with flexible underwriting guidelines. We help clients navigate non-conforming loan requirements while maintaining competitive rates. Our experts tailor solutions for luxury home purchases or unique financing scenarios requiring specialized documentation and collateral assessment.
Self-Employment Loans
Self-employed borrowers receive customized loan programs addressing unique income documentation challenges. We guide clients through alternative verification methods and strategic financial planning to maximize approval chances. Our team specializes in demonstrating repayment capacity despite complex tax situations.
People
Javier Cubas
Owner and President
With 25 years of mortgage industry experience since 1997, Javier Cubas leads Pacific Lending Group's commitment to homeownership solutions. His expertise spans mortgage, title, and real estate sectors, helping thousands achieve the American Dream through innovative lending strategies and personalized service.
Questions
What mortgage services do you offer?
We provide conventional, FHA, VA, jumbo, FHA 203k, and self-employment loans with competitive rates and personalized guidance through every step of the mortgage process.
How quickly can I get approved?
Most clients receive approval within 24-48 hours through our streamlined online application and experienced underwriting team working with multiple lending partners.
Do you work with first-time homebuyers?
Yes, we specialize in helping first-time buyers with low down payment options, credit challenges, and personalized guidance to make homeownership accessible.
Are there special programs for veterans?
We offer VA loans with zero down payment options and waive appraisal fees for military service members and veterans seeking home financing.
What areas do you serve?
We primarily serve South Florida including Pompano Beach, Coral Springs, and surrounding communities with local market expertise and in-person office support.
How do you find competitive rates?
By maintaining relationships with dozens of lending partners, we shop multiple programs to secure the most competitive rates and terms tailored to your financial situation.
