Business Details
24 Years
experience
Trusted Mortgage Broker in Newport Beach, CA
Since 2002, Pacific Coast Home Loans & Realty has prioritized a simplified, client-focused loan experience. Our commitment to exceptional customer service has driven over $3 billion in funded loans, distinguishing us from traditional lenders. We specialize in zero-cost refinances, fee-free purchases, and industry-leading closing times, ensuring clients secure favorable rates without hidden costs. Our team of seasoned professionals offers personalized guidance across all loan types, operating seven days a week to address inquiries promptly.With expertise in complex transactions and access to a robust network of lenders, we deliver tailored financial solutions. Our dedication to transparency and client education empowers families to make informed decisions, fostering long-term trust. Recognized by top realtors as a preferred financing partner, we combine decades of experience with innovative processes to streamline home buying and refinancing. Headquartered in Newport Beach, our service extends statewide, reflecting our deep understanding of California's real estate landscape.
Services
Conventional Loans
Jumbo Loans
Reverse Mortgage Loans
Bank Statement Loans
VA Loans
FHA Loans
Home Equity Loans
Details
- Year established: 2002
Highlights and features
- We offer zero-cost refinances and no lender or broker fees.
- Our team provides seven-day-a-week availability for personalized service.
- We specialize in same-day pre-approvals and 1-2 day conditional approvals.
- Our loan consultants have over 21 years of combined mortgage industry experience.
- We maintain $3 billion in funded loans through transparent, client-centric practices.
What people say
Amazing & Responsive Service
Zero loan costs
Fast approvals
Top-notch service
Highly recommended
Services
Conventional Loans
Conventional loans offer competitive rates for homebuyers with down payments as low as 3%. These fixed-term options include 15, 20, and 30-year plans, along with adjustable-rate mortgages. Our brokers simplify qualification processes while ensuring transparent fee structures for first-time and repeat buyers.
Jumbo Loans
Jumbo loans cater to high-value properties exceeding standard loan limits. Available in fixed and adjustable-rate formats, these products serve Orange and Los Angeles County buyers seeking premium financing solutions. Our team secures favorable terms through extensive lender networks for seamless high-balance transactions.
Bank Statement Loans
Designed for entrepreneurs, bank statement loans use business deposits as income verification. With potential expense ratio reductions via CPA documentation, this service accommodates self-employed applicants facing traditional income verification challenges while maintaining competitive approval timelines.
VA Loans
VA loans provide zero-down financing for military veterans and service members. Backed by the U.S. Department of Veterans Affairs, these mortgages offer preferential rates and flexible terms. Our specialists navigate VA-specific requirements to maximize benefits for eligible applicants.
Home Equity Loans
Home equity lines of credit enable property upgrades through flexible repayment plans. Offering 10-30 year terms and interest-only options, these adjustable-rate products help homeowners leverage existing equity without refinancing primary mortgages, subject to current market rates.
People
Noah Sharifi
Broker
With 21 years of mortgage brokerage experience, Noah has ranked in California's top 1% for loan volume seven consecutive years. His expertise in complex transactions and commitment to personalized service have established Pacific Coast as a trusted financing partner.
Nick Soderstrom
Loan Officer/Partner
As a seasoned loan officer, Nick specializes in guiding clients through mortgage processes with transparency. His responsiveness and focus on client needs have contributed to multiple seamless transactions for repeat customers.
Brian Skelley
Loan Officer
Brian provides expert mortgage guidance, particularly in refinancing scenarios. His knowledge and efficiency helped clients achieve favorable rates while maintaining clear communication throughout the loan approval process.
Questions
What mortgage options do you offer?
We provide conventional, jumbo, VA, FHA, bank statement, reverse mortgage, and home equity loans tailored to diverse financial situations.
Are there hidden fees with your loans?
No. We guarantee zero lender or broker fees, with full transparency on all costs from application to closing.
How quickly can you process a loan?
Our average pre-approvals occur same-day, with conditional approvals completed in 1-2 days through our streamlined digital processes.
Do you serve out-of-state clients?
While licensed in California, our digital platform enables remote assistance for clients nationwide through appropriate lending partners.
Can self-employed individuals qualify easily?
Yes. Our bank statement loans use business deposits for income verification, accommodating self-employed applicants with reduced documentation requirements.
What sets you apart from big banks?
Our smaller volume allows personalized service, faster decision-making across 20+ lenders, and dedicated support seven days a week.
